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Part-D: This provides prescription drug coverage and is administrated by private insurance plans. You can join a Prescription Drug Plan (PDP) three months before you turn age-65, the month you turn 65 and the three months after. If you have Medicare, you are eligible for Part-D. A government-imposed penalty of 1% per month will apply if you do not enroll when initially eligible. The cost for a PDP will vary from plan to plan as will coverage benefits and formulary definitions. Enrollment periods are limited to Nov. 15^th - Dec. 31^st & Jan. 1^st - Mar. 31^st. No changes can be made during the remainder of the year, so make sure you chose a plan that will meet your needs.

Know your choices about Medicare health insurance & prescription drug coverage.

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 "Guide to Medicare"