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did you enroll in a medicare part d drug plan or medicare advantage plan after your initial enrollment period and did you receive a letter from the insurance plan about a late enrollment penalty well show you how to get rid of this penalty coming up next andy stamos here with medicare mindset the part d late enrollment penalty creates a lot of confusion if you enroll in a prescription drug plan after youre initially eligible you might pay a late enrollment penalty it all depends on when you enroll and whether your existing health plan had creditable prescription drug coverage just a quick reminder of medicares initial enrollment period you initially have seven months to enroll in part a hospital and part b medical through the social security administration and its also the same time frame to obtain part d drug coverage through an insurance carrier if youve already enrolled in part a alone or part a and part b you can submit an application for part d coverage during this time frame