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Not sure what plan is right for you? Take Our Medicare Quiz

I Don’t Take Any Prescriptions, Why Do I Need a Medicare Drug Plan?


One of the most common questions we hear is, “I don’t take any prescriptions.  Why do I need to purchase a Part D plan?” The answer is simple:  If you don’t enroll when you are eligible for Part D and you don’t hold creditable Part D coverage, you risk permanent late penalty charges.  Medicare will charge a 1% late enrollment penalty each month until you do enroll in a plan. This would be applied to the future plan chosen and would be applicable to the average monthly premium for that year.  Remember this is a permanent penalty each year and it is added to the cost of any plan you may purchase.  

Many plans begin around $15 per month.  We recommend that you get a prescription drug plan to protect from future costs. 

Learn More: I Have Drug Coverage Through My Employer, Do I Need a Medicare Part D Plan Too?

People Also Read: When can I enroll in Medicare Part D?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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