<human>: What are the most important things to know about the new Medicare prescription drug coverage?
<bot>: 
1. The first thing you should know is that starting in 2020, all people with Medicare will be eligible for a free Part D plan.
2. Secondly, if you’re already enrolled in a Medicare Advantage plan, you can switch over to a Part D plan without having to pay any additional premiums or out-of-pocket costs.
3. Thirdly, there are some limitations on how much you can spend each year on your Part D plan before you start paying a deductible and coinsurance.
4. Fourthly, you may have to pay a premium for certain medications that are not covered by your plan.
5. Lastly, you can enroll in a Medigap policy to help cover the cost of uncovered drugs, as well as other medical expenses.