Final answer:
Consumers with creditable coverage when they become eligible for Medicare can generally keep that coverage without paying a penalty if they decide to enroll in Medicare prescription drug coverage later.
Step-by-step explanation:
When consumers become eligible for Medicare but already have creditable coverage, they can generally keep that coverage without paying a penalty if they decide to enroll in Medicare prescription drug coverage later. This means that they can maintain their existing coverage while also having the option to enroll in Medicare prescription drug coverage at a later date.