Free Tools
Part D Penalty Estimator
After your Initial Enrollment Period ends, a gap of 63 or more consecutive days without Part D or other creditable drug coverage may lead to a Part D late enrollment penalty. It is generally 1% of the national base beneficiary premium for each full uncovered month and is added to your Part D premium while you have drug coverage. You don't pay the penalty while receiving Extra Help. Check whether your other coverage is creditable and confirm your circumstances with Medicare.
Stay protected
Keep creditable drug coverage (from an employer or a Part D plan) and enroll on time. Even if you take no medications, a $0 or low-cost Part D plan can prevent a future penalty.
Questions, answered
I don't take any drugs — do I still need Part D?
It depends on your situation. After your Initial Enrollment Period, a gap of 63 or more consecutive days without Part D or other creditable drug coverage may lead to a penalty. Compare plan costs and coverage, and ask Medicare or your State Health Insurance Assistance Program about your options.
Can VA drug coverage help me avoid the Part D penalty?
Medicare lists Department of Veterans Affairs drug coverage as an example of creditable prescription drug coverage. Ask the VA whether your coverage is creditable, keep its notice or other records, and avoid going 63 days in a row without Part D or other creditable drug coverage after you are eligible. Check with Medicare if you are unsure how the rule applies to you.
Talk with a licensed agent
Free, no pressure — we can help review plans we represent.