From travel insurance to fraud protection, AARP has you covered. Take a closer look at your member benefits.
En español | You risk late penalties only if, after turning 65, you go for more than 63 days without Part D or “creditable” drug coverage from elsewhere. This coverage could be from a current employer (your own or your spouse’s), retiree benefits from a former employer, COBRA temporary insurance, coverage from the Veterans Affairs health system, or private health insurance that you’ve purchased yourself. This drug coverage is “creditable” if Medicare considers it to be of equal or better value than Part D coverage.
So, for example, if you enroll in a Part D drug plan at the time you retire, but later return to work in a job that provides creditable drug insurance, you would drop the Part D plan. On leaving that job, you would need to be enrolled in a Part D drug plan again within 63 days — or, to be on the safe side, two months — to avoid late penalties.
If you missed the 63-day deadline, you would not be able to reenroll until the next open enrollment period in the fall (with coverage beginning Jan. 1), and you would pay late penalties based on how many months you’d been without Part D or other creditable drug coverage since turning 65.
If you drop out of a Part D plan during open enrollment, you need to notify the plan that you want your coverage to end on Dec. 31. Otherwise, it will carry over into the new year and you will continue to be responsible for paying its premiums.
Return to Medicare Q&A Tool main page >>
Enter address, city, state, or ZIP code.
Driver Safety (0)
Tax Aide (0)
Entertainment & Dining (0)
Healthcare & Insurance (0)
Financial Services & Insurance (0)
Member Local Offers (0)
Visit the AARP state page for information about events, news and resources near you.
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at