If you decide to stay with Original Medicare, it is recommended to get a ‘creditable’ PDP prescription plan as you will be penalized for the number of months/full years that you are without the coverage, once you enroll in a Part D PDP Prescription plan whether Part C or a stand-alone PDP plan. If you have LIS/EXTRA HELP and/or MEDICAID, the LEP penalty is paid by these programs . See the Resources tab for more information on Extra Help/Low Income Subsidy (LIS).