I have enrolled in a Medicare Supplement Plan G and Part D prescription drug plan that also begin January 1. The 2026 Medicare & You handbook states on page 84 under “There are 3 ways to avoid paying a penalty:”Get Medicare drug coverage (Part D) when you’re first eligible for it. “Even if you don’t take drugs now…consider joining a separate Medicare drug plan or a Medicare Advantage Plan with drug coverage to avoid a penalty.” Add Medicare drug coverage (Part D) if you lose other creditable coverage. Medicare can impose the Late Enrollment Penalty (LEP):Your company prescription drug benefits are not considered creditable, as determined by Medicare. Chapter 5 of Toni’s Medicare Survival Guide Advanced edition explains Medicare Part D and how to avoid Part D penalties.