With an AARP membership, there’s always more to discover! Check out your member benefits.
En español | You don’t need to sign up for Part D prescription drug coverage while you have “creditable” drug coverage from another source. The other source could be a current or former employer, COBRA, the federal employees’ health care system (FEHBP), the military (TRICARE), the Veterans Affairs health system, or private insurance you have purchased yourself. “Creditable” means that Medicare considers the coverage to be of equal or better value than Part D.
The law says that you will be liable for Part D late penalties if you go for more than 63 days without Part D or creditable drug coverage after enrolling in Medicare Part A and/or Part B. So 63 days is often given as the length of the special enrollment period you can use to avoid a penalty. But this isn’t exactly accurate. Rather, you must be actually receiving Part D coverage within 63 days to avoid a penalty.
For example, let’s say that you lose creditable coverage on March 31. Counting 63 days from that date brings you to June 2. If you leave it to the last minute and sign up with a Part D plan on June 1 or 2, you’re still within the 63-day time frame. But you won’t avoid a penalty because, under Part D rules, your drug coverage actually begins on the first day of the month after you enroll — in this example, July 1. You’re then penalized for one month without coverage. So, to be on the safe side, you should enroll in a Part D plan within two months of creditable coverage ending, rather than 63 days.
To find out if your current or recent prescription drug coverage is creditable, check your Evidence of Coverage documents or call your plan. Plan administrators are required by law to give you this information.
If it turns out that your recent drug coverage was not creditable, you would be liable for late penalties. Also, you would not be entitled to a special enrollment period to get fast coverage under Part D. You would have to wait for the next open enrollment period, which runs from Oct. 15 to Dec. 7, with coverage beginning Jan. 1.
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