Mr. Ziegler is turning 65 next month and is currently in his Medicare Part D Initial Enrollment Period (IEP). This period lasts for seven months: it begins three months before his 65th birthday, includes the month he turns 65, and continues for three months after his birthday. During this time, he can make one Part D enrollment choice, which includes enrolling in a stand-alone Part D prescription drug plan or a Medicare Advantage plan that includes Part D coverage (MA-PD plan). He must take action during this IEP to avoid potential late enrollment penalties or gaps in coverage