We’re here at Aines, Carter & Associates in Lagrange Kentucky. Today we’re going to talk about why we have to sign up for a prescription drug plan when we turn 65 and qualify for Medicare. One of the most common questions I get is, “Why do I have to sign up for a Part D plan if I don’t take prescriptions?” Great question. The reason why you have to sign up for a plan is that the government will assess a penalty for every month you are not enrolled. So that on down the line, if you need a plan, and keep in mind we don’t get healthier as we get older, if we need a plan they’re going to assess a penalty for every month you are enrolled. It makes more sense to choose an inexpensive plan when you turn 65. When I say inexpensive, between 13 and 15 dollars a month, even if you don’t take prescription drugs, and that will satisfy the government’s requirement. I hope this helps. Thank you for your time.