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AARP's Medicare Question and Answer Tool

When can I join a Medicare Part D prescription drug plan?

 

If you are newly eligible for Medicare, you can enroll three months prior to the month you become eligible and up to three months after the month you become eligible — a seven-month period.

You can also join every year during open enrollment, which is October 15 through December 7. Otherwise, you can join outside of open enrollment without a penalty if:

1. You were to lose “creditable” drug coverage (coverage as least as good as Medicare’s) from your employer or union;

2. You qualify for the Extra Help program in paying for Part D.

 

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