Who is eligible to enroll in a Part D plan during their initial enrollment period?

Individuals turning 65 or those who are enrolled in both Part A and Part B of Medicare are eligible to enroll in a Part D plan during their initial enrollment period. This period typically lasts for seven months, starting three months before the individual turns 65, including the month they turn 65, and extending three months after that month. The purpose of Part D is to provide prescription drug coverage to those who are eligible for Medicare, ensuring they have access to necessary medications.

This option is correct because it specifically identifies those who are approaching the typical age of Medicare eligibility or who have already enrolled in Medicare parts A and B and are therefore qualified to add Part D coverage. Other groups, such as individuals over 70 or those with private insurance, do not have specific eligibility criteria for Part D enrollment based solely on those factors.