Credit freezes are free under a federal law that just went into effect. Learn how to protect your credit.
En español | Part D is voluntary, so you are not forced to sign up. You may not need it anyway if you have drug coverage from elsewhere that is “creditable” — meaning Medicare considers it to be the same or better value than Part D. This coverage could come from an employer or union, retiree benefits, COBRA or the Veterans Affairs health program — all of which must by law tell you whether it is creditable
But without such alternative coverage, you need to consider the consequences of failing to join a Part D drug plan when you’re first eligible:
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