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State Pharmaceutical Assistance Programs (SPAPs) are state run programs that assist low-income seniors and adults with disabilities in paying for their prescription drugs.  SPAP coverage varies by state, but they generally provide Part D “wrap around” coverage, meaning that they pay costs that Medicare Part D does not pay.

To learn more about whether your state has an SPAP, and what eligibility rules apply, check out this chart from the Medicare Rights Center (last updated Nov. 2013):

Pharmaceutical Assistance Programs (PAPs) are offered by some drug manufacturers to help Medicare Part D enrollees pay for pharmaceuticals. To find out if there is a PAP for any of your prescriptions, you may want to use BenefitsCheckUp, NCOA's free online screening tool at

You can also download our fact sheet to learn more about SPAPs and PAPs, and get some helpful tips on assisting your clients with PAPs.

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