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Questions & Answers (FAQ)

Browse the Medicare Part D "Medicare Part D Enrollment" FAQs
If you still have questions, please contact us through our Online Help Desk.


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Question: If I have a disability and receive Medicare benefits before age 65, can I also sign up for a Medicare Part D drug plan at the same time? What if I decide NOT to join a Part D plan, do I pay a penalty if I decide to join a Part D plan later?

Answer: If you are eligible for Medicare A and/or Medicare B, you are also eligible to enroll in a Medicare Part D prescription drug plan.

You have an initial enrollment period (or IEP) during a seven (7) month period around the time when you become eligible for Medicare benefits - that is three months before the month when you become eligible - the month of Medicare eligibility - and three months after the month of eligibility.  If you sign up early, Part D benefits begin on the first day of the month of your Medicare eligibility.

If you receive Medicare benefits due to a disability, you actually receive a second initial enrollment period (IEP) when you turn 65.

You will also have a seven month window of time to join a Medicare Part D prescription drug plan around the month where you turn 65.  If you choose to enroll in this second IEP, you will not be penalized for late-enrollment.

So, if you have a disability and choose to join a Medicare Part D plan when you turn 65, you will not be subject to any late enrollment penalties - even if you did not enroll in Medicare when you first became eligible.

: : 2015 PDP-Finder - Medicare Part D Plan Finder
The 2015 PDP-Finder displays Medicare Part D plan information, including plan premium, deductible, type of gap coverage and if the plan qualifies for the $0 premium for those persons with a low income subsidy (LIS).

: : Sign-up for email reminders when the 2016 Medicare plan information is available.
: : Sign-up for our Medicare Part D Newsletter.
: : Still have a question? Click here to let us know.

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Quick Links
: : Sign-up for our Medicare Part D Newsletter.
: : 2015 PDP-Finder: Medicare Part D (Drug Only) Plan Finder
: : PDP-Compare: 2014/2015 Medicare Part D plan changes
: : 2015 MA-Finder: Medicare Advantage Plan Finder
: : MA-Compare: 2014/2015 Medicare Advantage plan changes
: : Drug Finder: 2015 Medicare Part D plan drug search
: : Formulary Browse: View any 2015 Medicare plan formulary
: : 2015 Browse Drugs By Letter
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: : PDP-Facts: 2015 Medicare Part D plan Facts & Figures
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