Which combination of plans could a consumer have together according to the material?

• A. MA-Only Private Fee-For-Service (PFFS) Plan and a standalone PDP
• B. A Humana HMO and a separate PDP
• C. A Medicare Advantage plan with drug coverage and a separate MAPD
• D. An employer-sponsored plan with a stand-alone PDP

Answer: (A)

The key idea being tested is how prescription drug coverage can be paired with Medicare Advantage medical coverage. The only allowed combination is a Medicare Advantage plan that does not include drug coverage together with a separate standalone Part D prescription drug plan. In this scenario, the MA-only plan covers medical benefits, while the PDP provides drug coverage, avoiding duplicative or conflicting drug benefits.

Why this fits best: an MA-only plan (like a PFFS plan that does not offer drugs) can be paired with a standalone PDP to cover medications. There’s no overlap of drug coverage, and you still have comprehensive protection for both medical services and prescriptions under Medicare.

The other options would typically involve two drug-coverage plans or conflicting coverage with an employer plan, which the material treats as not appropriate. A Humana HMO is an MA plan that usually includes drug coverage, so adding a separate PDP would duplicate benefits. A Medicare Advantage plan with drug coverage paired with a separate MAPD would also duplicate drug coverage. An employer-sponsored plan with a stand-alone PDP would create coordination issues or duplicative coverage in most scenarios described.