Medicare Part D Enrollment
Medicare Part D is a voluntary program but without it you may pay a lot for medications that you need down the road. If Medicare will be your primary coverage, you should enroll in Part D when you first become eligible at age 65.
Many people who are still working at age 65 delay their enrollment into Part D until they retire. As long as your employer insurance has drug coverage that is as good as or better than Medicare Part D, you can delay enrollment without penalty.