My mother is 89 and has not need prescription coverage until recently? In the past she always paid out of pocket for her meds but now needs more costly prescription medicines. She has dementia and on arisept and namenda. I understand that Medicare Part D companies will charge her a penalty since she did not have prescription coverage since 65 when she became eligible for medicare. Is 65 the starting age. she is now 89. That is 24 years of penalty? Can someone explain how the penalty works and how much it is going to cost in addition to joining a plan and paying for the prescriptions? Thanks!