- new to Medicare, or
- have you lost Creditable Prescription Drug Coverage (coverage expected to pay at least as much as standard Medicare prescription drug coverage, like that provided by some employer or union plans) within the last 63 days?
If so, joining now means you will pay your lowest possible monthly Premium
. Every year (from October 15--December 7), you can switch to a different Medicare drug plan if your needs change.
You can join a Medicare drug plan from three months before you turn 65 to three months after you turn 65 (called your Initial Enrollment Period). Generally, if you are disabled, you can join three months before and three months after your 25th month of disability. The plan will notify you when your coverage begins.