Thanks/ I don’t use Part D, so I am good for now. I use parts A and B.
YOU may not need any drugs now... BUT you will be PENALIZED for each month after age 65 you don’t have “creditable” (at least as good as Part D) coverage!!! This year the cheapest plan was $0.50 per month, which as a broker is where I put all my non prescription clients so they don’t get hit with the penalty when they do need drugs in the future. Don’t skip signing up or you will pay a penalty as long is you are in Medicare. Read that huge book they sent you at 65 or consult an experienced broker! Big $$s at stake if you don’t follow the complex rules... ymmv