Pros

• Most Medicare Part D plans cover 90-day supplies, which means less trips to the pharmacy to pick up your refills.
  
• Medicare co-pays are generally cheaper than that of Private-Insurance Co-Pays
  
• Certain vaccinations may be covered at your local pharmacy, which means less long waits at the doctor's office for certain vaccines. Check with your pharmacy to see what vaccines you are able to receive from your pharmacist.
  
• Some Medicare programs offer OTC cards which gives you a set amount of money each month or year to use in your pharmacy for items like certain vitamins, medication, toothpaste, ointment, and cream that are considered as OTC.

Cons

• Certain medications may not be covered, check with your medicare provider and information booklet beforehand if possible.
• After medicare covers up to a certain amount, you will enter what is called a Donut-Hole in your coverage, which means you will be paying more out-of-pocket for your prescription and health needs. Check with your medicare provider and information booklet about this as well.