So do I really need to enroll into a Medicare Part D prescription drug plan?
What if I currently don't take any medication and don't need prescription coverage?
Medicare Part D is a voluntary program - with an incentive to enroll when you are first eligible for Medicare. As some people who take no prescriptions note, Medicare Part D is simply insurance against future uncertainty - like car or home insurance. The downside to not enrolling is that if you do not enroll when you are first eligible, you may be subject to a life-time Late-Enrollment Premium Penalty when you decide later to enroll in a Medicare Part D plan.