Preparing for Enrollment

Here is some essential information for you to consider.

Information you’ll need for enrollment

  • The name of the plan in which you would like to enroll.
  • Who to contact in case you have an emergency.
  • Your Medicare information as it appears on your Medicare card.
  • Information about other medical or prescription insurance plans you have.
    For example, please have the plan name and plan account number ready.

Late enrollment penalty

If you don’t sign up when you first become eligible, you may have to pay a late penalty that adds to your monthly premiums as long as you’re in the program. Reasons for a late enrollment penalty include:

  • You did not have Part D or creditable prescription drug coverage for any continuous period of 63 days or more after your Initial Enrollment Period.
  • You did not enroll during your initial enrollment period.
  • You did not have creditable coverage when your initial enrollment period ended.


Some people pay an extra amount for Part D because of their yearly income; this is known as Income Related Monthly Adjustment Amounts, also known as IRMAA. If your income is greater than $85,000 for an individual (or married individuals filing separately) or greater than $170,000 for married couples, you must pay an extra amount directly to the government (not the Medicare plan) for your Medicare Part D coverage.

Creditable coverage

Creditable coverage means prescription drug coverage that is at least as good as Medicare's standard prescription drug coverage. Examples include:

  • Coverage offered by an employer, former employer or union.
  • Federal Employee Health Benefits Program coverage.
  • State Pharmaceutical Assistance Program coverage.

Ready to Enroll Online?

  • We’re here to help!

  • Whether you have questions about your current membership, looking for more information about our plans, or to sign up for a new prescription drug plan, call us today!
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