Which scenario represents a permissible plan combination for a consumer as described in the material?

• A. MA-Only Private Fee-For-Service (PFFS) Plan and a standalone PDP
• B. A second MA plan with a different network
• C. A plan combined with an employer-sponsored plan
• D. A standalone PDP without any MA plan

Answer: (A)

In Medicare, you pair medical coverage and drug coverage through how the plans are built. An MA plan handles medical benefits, and drug coverage comes either from the MA plan itself (if it’s an MA-PD) or from a separate Part D plan, a standalone PDP, if the MA plan doesn’t include drug coverage. The scenario described as permissible is having an MA-only plan (which does not include drug coverage) together with a standalone PDP. This works because the MA-only plan covers medical benefits, while the standalone PDP provides the drug coverage without duplicating MA drug benefits.

The other options don’t fit that described arrangement: enrolling in two MA plans isn’t allowed because you can only have one MA plan at a time; pairing with an employer-sponsored plan introduces a different coordination setup not described as permissible here; and using a standalone PDP by itself would align with Original Medicare rather than the MA-plus-PDP pairing highlighted in the material.