Do I need Medicare Part D if I’m not on any medication?

Medicare Part D is coverage that helps people with Medicare pay for prescription drugs. Whether you need Medicare Part D—even if you don’t take medications—depends on your situation. Generally, your decision to enroll in Part D should be based on whether you already have other drug coverage (such as employer or union coverage) when you first become Medicare-eligible, and not how many or few prescriptions you take. That’s because if you wait to enroll in a Medicare Part D plan later than 63 days past your Initial Enrollment Period (IEP), and do not have other ‘creditable’ coverage (as good as standard Medicare drug coverage), you may have to pay the Part D Late Enrollment Penalty (LEP) once you do enroll. If you enroll late with an accrued penalty, Medicare adds the LEP to your premium for as long as you have Medicare.

Return to the Medicare FAQ section to view more answers to other commonly asked questions about Medicare prescription drug coverage.