Ms. Claggett is sixty-six (66) years old. She has been covered under Original Medicare for the last six years due to her disability and has never been enrolled in a Medicare Advantage or a Part D plan before. She wants to enroll in a Part D plan. She knows that there is such a thing as the "Part D Initial Enrollment Period" (IEP) and has concluded that, since she has never enrolled in such a plan before, she should be eligible to enroll under this period. What should you tell her about how the Part D Initial Enrollment Period applies to her situation?
The answer is below
After becoming eligible for Medicare, her Medicare Part D initial enrollment period (or IEP) will be seven month period, this covers three months before becoming eligible for Medicare benefits, the month of Medicare eligibility, and three months after the month of eligibility.
However, it should be noted that, regardless of how early she enrolled in a Medicare Part D plan, her drug plan benefits can only start on the first day of the month of your Medicare eligibility.
Also, should she may be subjected to a late-enrollment penalty, if she joins a Medicare plan D later, instead of immediately after the end of her Initial Enrollment Period.
It occurs three months before and three months after the month when a beneficiary meets the eligibility requirements for Part B, so she will not be able to use it as a justification for enrolling in a Part D plan now.
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