Medicare Part D is the plan designed for seniors on medicare. It is available to you when you turn age 65. The enrollment period begins 3 months before age 65 (the month of your birth) and 3 months after your birth month.

* There is a lifetime penalty if one enrolls late. The longer the delay, the higher the penalty.

There is an annual enrollment period each year of October 15th to December 7th. 

Medicare Part D is a part of most medicare advantage plans (PT C). They can be purchased separately if one purchases a medicare supplement plan. These plans offer co-pays for generic and name brand prescription drugs. The plans have discounts during the coverage gap (donut hole). The plans again offer lower copays during the catastrophic period (**refer to the benefits page of any plan you research for more details**)