How Can I Enroll in Medicare Part D?

You can enroll in a Medicare Part D plan during one of the three enrollment periods. After choosing the prescription drug plan that is right for you, you can enroll as you turn 65 years old (Initial Enrollment Period, or IEP), during the Annual Enrollment Period (AEP) between October 15th through December 7th, or during a Special Enrollment Period (SEP). If enrolling during the AEP, your plan should have detailed information on more specific enrollment options as the period nears.

Once an appropriate enrollment period approaches, there are a few steps you can take to enroll. You can choose one of the following options:

  • Enroll on the plan’s website
  • Enroll on www.medicare.gov
  • Enroll by the plan’s paper enrollment form
  • Enroll by calling the plan
  • Enroll by calling 1-800-MEDICARE (1-800-633-4227). TTY users call 711, 24 hours a day, 7 days a week

Avoiding the Late Enrollment Penalty

One thing to remember when preparing to enroll in a Part D plan is the Late Enrollment Penalty (LEP). This penalty makes enrolling during the proper enrollment period crucial. You may pay a monthly Late Enrollment Penalty (LEP) assessed by Medicare if all of the following hold true prior to enrollment.

  • You went longer than 63 days without creditable prescription drug coverage
  • The 63 days without creditable coverage was after the end of your Initial Enrollment Period (IEP). In other words, you went 63 days or more after three months past your 65th birthday without coverage
  • You did not have creditable coverage when your IEP ended