Do I need Medicare Part D if I don't take medications?

Part D works a lot like insurance for the future. The penalty adds 1% of a national base premium for every month you went without creditable coverage, and it doesn't go away. Many people who take no medications choose a low-premium plan so they're protected if that changes. Coverage from a current employer, the VA, TRICARE or CHAMPVA can count as creditable. Your plan will tell you if it does.[LIZ REVIEW]

Whether your current drug coverage is creditable, whether you choose a Medicare Advantage plan that already includes drug coverage, and whether you qualify for Extra Help.

1. 1
   Check for a creditable coverage notice from your current plan.
2. 2
   If you don't have one, compare low-premium Part D plans with us.
3. 3
   Keep records of your creditable coverage.

• LearnMedicare Part D
• Medicare CostsHow much does Medicare cost?
• Advantage & SupplementWhat's the difference between Medicare Advantage and Medicare Supplement?

Every situation is a little different. Call us at 719-358-6696 — we actually answer the phone — or book a no-cost appointment.