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I have a question for you agents who sell MA plans. A friend of mine has been in an MA plan for many years. He never opted for the Part D coverage that was available with his MA Plan (Part C). He never secured any creditable coverage such as the VA Prescription Plan. His MA coverage is being involuntarily terminated as 12/31/09. He is being offered more expensive MA programs from the same carrier. I advised him that although his current coverage is being involuntarily terminated, if he secures new MA coverage with Part D he will have to pay a penalty that lasts into perpetuity. Someone else advised him that he will not be penalized inasmuch as his current plan is an involuntary termination. I believe that no penalty would apply only if his current MA plan included Part D coverage. Am I correct?