Select the true statement:

Beneficiaries who do NOT enroll in Part D benefits when they are first eligible may have to pay a penalty in the form of higher monthly premiums if they enroll later

Beneficiaries who enroll in Part D benefits when they are first eligible may have to pay a penalty in the form of higher monthly premiums if they enroll later

Beneficiaries who don't enroll in Part D benefits when they are first eligible may sign up as soon as they remember to

Beneficiaries who enroll in Part D benefits when they are first eligible may have to pay a penalty when they sign up