Is Enrollment in Medicare Part D Mandatory?

Over 40 million of us in this country participate in Medicare. It’s the largest medical insurer in the USA. It includes Part A, B, C and D, each one having a specific purpose and requirement. Some sections provide medical coverage at no cost, other sections may require you provide coverage via private insurance companies approved by Medicare. Part A is hospital insurance and the only sub-category where services are provided at no cost.

Am I Required To Enroll In All Parts Of The Medicare Program?

No. You get Part A coverage at no cost. If you move down the line to include Part B, Part C and Part D these parts of the health care program are options. If Part D is not included in any of the other Medicare plans and you want additional protection, you’ll be required to pay the insurance premiums on your own.

Is Enrollment In Medicare Part D Mandatory? Or Can I Choose Other Options?

This is where prescription drug coverage enters the ballgame. If the question is enrollment in Medicare Part D mandatory, it is not. It’s another of those options you have where coverage is provided by private insurance companies approved by Medicare. However, you need to enroll when you first begin your trek down the Medicare path to avoid a penalty.

How Does Part D Work If It’s Not Mandatory?

If you’re in what’s called the Medicare Advantage Plan chances are the question is enrollment in Medicare Part D mandatory is already answered and coverage may be included. If not there are plenty of private insurers waiting with big smiles and open arms to grab a piece of the action.

13 Responses to “Is Enrollment in Medicare Part D Mandatory?”

  1. Richard Lee Walther says:

    I’m 67 and still working full-time with “creditable” health coverage with my present employer. I’m retiring at year’s end and have just applied for Part “B” Medicare and a “Medigap” supplemental plan with BC/BS. However, as to Part “D” coverage, the annual premium (approx. $480) is far more than the retail cost of the Rx I take. Why should I buy it? Any thoughts? rlw

  2. E Fleenor says:

    If you don’t buy Part D now, you would be subject to a penalty to buy it in the future; 1%/mo x $30/mo or $0.30/mo you don’t take it, as increase in future rates.
    If you take the cheapest Part D plan available, which is Humana Walmart at $15.10/mo it only costs $181/year.
    Take your pick.

  3. Anita Seltzer says:

    When the Medicare reaches it’s max. for the year will medicaide kick in? If one goes through his savings does Medicaide kick in? Is there a max. for Medicaide pay-out?

  4. Joan Lynch says:

    I am 80 years old and on Medicare. I do not take any prescription drugs. I want to cancel my drug program. The told me it was mandatory. Is that so? Sounds unconstitutional to me.

  5. Norma Campbell says:

    The Drug plan D never helped me at all. I used to get all my meds free. I couldn’t get them free any longer once this program was institued. When Bush instituted that program, I had to start buying them(even at reduced prices no help to me). Now all the plans, including Aarp charge a fee to belong to their plan. So that program has cost me, not helped me at all. AND who knows what is next for Medicare? They don’t cover enough as it is. I can’t hardly afford helathcare at all.

  6. There are a many confusing plans available in each state. This may make it difficult for you to know which plan to choose and whether you will save money on your prescription medications.

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  8. jane hall says:

    My mother, 85, just enrolled in medicare part D during the 2012 open enrollment period. They hooked her up with CIGNA beginning Jan 1 2013. She is now being penalized all the way back to 2006 because she never enrolled in medicare part D. She had little need for RX coverage and when she did she got most for free or paid a discounted price. She has appealed this decision through MAXIMUS and is waiting for a decision. Our main question is enrollment in Medicare D mandatory and if it was or is why was she never notified that she must. She never had creditable coverage through anyone after retirement. This has become a real issue for her. Can anyone explain. thanks

    • Sooz says:

      My 86 year old father is just now getting penalized for the same thing. He has had Medicare Part A and B, supplemental insurance for both medical and prescription.
      Now they say he’s penalized from 2006. How can this be legal if it wasn’t mandatory????

  9. Barbara Forteny says:

    I noticed since I foun dthis site I am not the only one who found out to late about Part D bien pepntalized. Think we all ned to get to gether and and see what can be done about the penatlil as the government can’t have it both ways, one it is not manatory, so how can you penalizw people wohdon’t take it and it is never sent to you sayint that if you do not take it you will be. Since Obama seems to have a say in what Medicare does we could all petion him to get this resolved.

  10. Barbara Forteny says:

    Begining to wonder when we the people are missinformed when we retire or not informed at all correctly if the governemt is liable fir miss representation of necessary information when applining for Medicare and secondary insurance, because the only thing I was ever asked when I took out my seconday insurance was did I want prescripiton on it. Never was told by the insurance company that if I did not take it I would be peanalized. I don’t even think the insurance in those days was even knowledgeable of how Part “D” worked, which by the way it was never represented to me as part “D”.

  11. […] an overview of Medicare part A, B, C and D at Senior Corps. Now back to the […]

  12. […] an overview of Medicare part A, B, C and D at Senior Corps. Now back to the […]