Toni Says
by Toni King
Medicare Part D problems are hitting Americans during this year's Medicare Open Enrollment
I’m hearing the same story across the country. People are getting caught by Medicare Part D changes and paying more than they should. Some are even getting a Late Enrollment Penalty because they did not have “creditable” drug coverage. Here is what this looks like in real life:
A reader turned 65, kept working, signed up for Part A only, and used a discount card for prescriptions. When he finally tried to enroll in a Part D plan, Medicare said there was no record of creditable drug coverage and added a penalty to his monthly premium. Discount cards are not creditable coverage. The penalty stays as long as you have Part D and can increase each year.
This is avoidable. I will walk you through what to do and protect yourself for 2026. Click on the button below and you will get subscribed for my webinar automatically, with one click.
Confused About Medicare's Open Enrollment - Online Zoom Webinar
🗓️ Thursday, November 20th, 2025
⏰ 4:00–6:00 PM CST
Live on ZoomWhy this matters now
• Plans change their drug lists and rules each year
• Your monthly premiums and prescriptions may cost more in 2026 if you do not review your options, whether enrolled in a Medicare Advantage Plan or an individual Medicare Part D Prescription Drug Plan.
• Waiting to enroll in a Medicare Part D plan can cause penalties or leave you without coverage for a needed drugMy goal is to keep you out of trouble and help you choose with confidence. Bring your medication list and your questions. If you cannot attend live, I will send the replay to everyone who registers.