Free Tools
Part D Penalty Estimator
Going without creditable drug coverage after you're first eligible adds a permanent Part D penalty — roughly 1% of the national base premium for each month you went without. Like the Part B penalty, it lasts for life. We'll estimate yours and help you stay penalty-free.
Stay protected
Keep creditable drug coverage (from an employer or a Part D plan) and enroll on time. Even if you take no medications, a $0 or low-cost Part D plan can prevent a future penalty.
Questions, answered
I don't take any drugs — do I still need Part D?
Often yes, to avoid a lifelong penalty later. A low-cost Part D plan now can be cheaper than the penalty you'd pay if you enroll later.
Talk to a local Sioux Falls advisor
Free, no pressure — we compare your options for you.