En español l Don’t dismiss Medicare drug benefits out of hand — even if right now you have good coverage or don’t take any prescription drugs. First consider all the angles, because there may be important consequences if you don’t.
Do I need Medicare drug coverage — when I don’t use any prescription drugs right now?
If you use few or no drugs now, you may wonder if it’s worth signing up for Part D, because you’d be paying a premium to your plan but getting nothing back. But Medicare drug coverage is not just a government benefit. It’s mainly insurance, which — like all other kinds of insurance — protects you against high drug costs if and when you need it in the future. In these circumstances, consider enrolling in the Part D plan in your area that has the lowest premium, which would give you coverage at the least cost.