(BPT) – With so many options based on where you live and what prescriptions you need, selecting a Medicare Part D Plan can be complicated and time consuming. However, every American 65 and older or Medicare disabled who wishes to enroll must enroll in a plan for 2013 no later than Dec. 7, 2012.

Alexis Abramson, Ph.D, a gerontologist and leading advocate for health and wellness issues affecting baby boomers and seniors, offers five simple tips to guide you through the process during this year’s registration window.

1. Sign up for Medicare Part D – no matter what.

Even if you currently don’t take any prescription medications, you should still consider signing up for a Medicare Part D Plan. If you enroll late or when you are in need of drug coverage, you could pay much higher premiums. The only exceptions to this rule are seniors with equivalent or creditable drug coverage from an employer’s health care plan, retiree health plan or from the U.S. Department of Veterans Affairs.

2. You can get Part D two ways, but PDPs are a more affordable option.