Which option will enable a consumer to obtain prescription drug coverage?

• A. Enroll in a stand-alone PDP alone
• B. Enroll in ANY MA-PD Plan
• C. Enroll in a PFFS MA-only plan with no PDP
• D. Enroll in an HMO without prescription drug coverage

Answer: (B)

Prescription drug coverage in Medicare is available through Part D, which you can get either by a standalone Part D plan or by a Medicare Advantage Plan that includes drug coverage (MA-PD). Enrolling in any MA-PD plan is the best fit here because these plans bundle medical benefits with prescription drug coverage into one package. That means you’ll have your drug benefits integrated with your Medicare Advantage plan, avoiding gaps or the need to manage two separate plans.

The other options either don’t provide drug coverage or don’t combine medical and drug coverage. A stand-alone Part D plan does offer prescription drugs but isn’t an MA plan, so it doesn’t provide the integrated medical benefits. A PFFS MA-only plan without a PDP has no prescription drug coverage, and an HMO without prescription drug coverage also lacks drug benefits.