If I’m healthy and not currently taking prescription drugs, should I wait to enroll in a Medicare Part D plan?

When you become eligible for Medicare Parts A and B you should enroll in a Part D plan to ensure you have coverage especially if you think your health status may change in the future. If you do not enroll in a Part D plan when you first become eligible you may pay a late enrollment penalty for the number of months you didn’t have coverage when you didn’t enroll. Read more about Medicare penalties here.

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Do I need to join the same Medicare Part D plan as my spouse?

There is no need to join the same Medicare plan as your spouse. Medicare covers individuals — it does not jointly cover husband and wife like some employer-provided plans. You and your spouse may have very different health conditions and medication needs that could require specific types of coverage. While you may be able to help each other in the selection process, always consider your individual needs when choosing a plan.

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How do I sign up for Medicare Part D coverage?

You can enroll directly in a Medicare Part D prescription drug plan (PDP) by calling them directly or on their website. You can also enroll by calling Medicare directly. Before enrolling in a plan you should research the overall cost of a plan including the deductible (if any), the monthly premium and any medications you take. It’s also a good idea to call the plan with any questions you might have. You can visit a plan’s website or you can visit Medicare.gov to compare multiple plans.

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