AHIP - 2027
fv fv
Studyfvonlinefvatfvhttps://quizlet.com/
_jp65r9
AHIP MEDICARE TRAINING Q AND A
WhichfvoffvthefvfollowingfvstatementsfvaboutfvMedicarefvPartfvDfvis/arefvcorrect?
I.fvPartfvDfvplansfvmustfvenrollfvanyfveligiblefvbeneficiaryfvwhofvapplies,fvregardlessfvoffvhealthfvstatus,fvexceptfvinfvlimitedf
vcircumstances.
II.fvPrivatefvfee-for-
servicefv(PFFS)fvplansfvarefvnotfvrequiredfvtofvusefvafvpharmacyfvnetworkfvbutfvmayfvchoosefvtofvhavefvone.
III.fvBeneficiariesfvenrolledfvinfvanfvMA-
MedicalfvSavingsfvAccountfv(MSA)fvplanfvmayfvonlyfvobtainfvPartfvDfvbenefitsfvthroughfvafvstandalonefvPDP.
IV.fvBeneficiariesfvenrolledfvinfvanfvMA-
PPOfvmayfvobtainfvPartfvDfvbenefitsfvthroughfvafvstandalonefvPDPfvorfvthroughfvtheirfvplan.fv-fvanswer--I,fvII,fvandfvIIIfvonly
Mr.fvAguilarfvisfvafvnewlyfvenrolledfvMedicarefvPartfvDfvbeneficiaryfvandfvonefvoffvyourfvclients.fvInfvadditionfvtofvdrugsfvonfv
hisfvplan'sfvformulary,fvhefvtakesfvseveralfvotherfvmedications.fvThesefvincludefvafvprescriptionfvdrugfvnotfvonfvhisfvplan'sf
vformulary,fvover-the-counterfvmedicationsfvforfvcoldsfvandfvallergies,fvvitamins,fvandfvdrugsfvfromfvanfvInternet-
basedfvCanadianfvpharmacyfvtofvpromotefvhairfvgrowthfvandfvreducefvjointfvswelling.fvHisfvneighborfvrecentlyfvtoldfvhimfv
aboutfvafvconceptfvcalledfvTrOOPfvandfvhefvasksfvyoufviffvanyfvoffvhisfvotherfvmedicationsfvcouldfvcountfvtowardfvTrOOPfv
shouldfvhefveverfvreachfvthefvPartfvDfvcatastrophicfvlimit.fvWhatfvshouldfvyoufvsay?
Questionfv2Answerfv-fvanswer--
NonefvoffvthefvcostsfvoffvMr.fvAguilar'sfvotherfvmedicationsfvwouldfvcurrentlyfvcountfvtowardfvTrOOPfvbutfvhefvmayfvwishfvt
ofvaskfvhisfvplanfvforfvanfvexceptionfvtofvcoverfvthefvprescription,fvnotfvonfvitsfvformulary.
WhatfvtypesfvoffvtoolsfvcanfvMedicarefvPartfvDfvprescriptionfvdrugfvplansfvusefvthatfvaffectfvthefvwayfvtheirfvenrolleesfvcanfv
accessfvmedications?fv-fvanswer--
PartfvDfvplansfvdofvnotfvhavefvtofvcoverfvallfvmedications.fvAsfvafvresult,fvtheirfvformularies,fvorfvlistsfvoffvcoveredfvdrugs,fvw
illfvvaryfvfromfvplanfvtofvplan.fvInfvaddition,fvtheyfvcanfvusefvcostfvcontainmentfvtechniquesfvsuchfvasfvtieredfvco-
paymentsfvandfvstepfvtherapy.
Mrs.fvEsmeraldafvAvilafvisfvafvMedicarefvbeneficiaryfvenrolledfvinfvafvMA-
PDfvplanfvyoufvrepresent.fvHerfvneighborfvrecentlyfvsufferedfvfromfvafvpainfulfvcasefvoffvshingles.fvMrs.fvAvilafvhopesfvtofv
avoidfvsuchfvanfvillnessfvthroughfvvaccination.fvShefvasksfvyoufvwhetherfvthefvcostfvoffvthefvshinglesfvvaccinationfvwillfvbef
vcoveredfvunderfvthefvplanfvyoufvrepresent.fvWhatfvshouldfvyoufvsay?fv-fvanswer--
Yes,fvtherefvisfvnofvcostfvsharingfvforfvthefvshinglesfvvaccinefvevenfvinfvthefvdeductiblefvphasefvoffvherfvprescriptionfvdrugfv
planfvbecausefvitfvisfvanfvadultfvvaccinefvrecommendedfvbyfvthefvAdvisoryfvCommitteefvonfvImmunizationfvPracticesfv(AI
CP)
Mrs.fvSharmafvhasfvOriginalfvMedicarefvandfvwouldfvlikefvtofvenrollfvinfvafvPrivatefvFee-for-
Servicefv(PFFS)fvplan.fvAllfvtypesfvoffvPFFSfvplansfvarefvavailablefvinfvherfvarea.fvWhichfvoptionsfvcouldfvMrs.fvSharmafvc
onsiderfvbeforefvselectingfvafvPFFSfvplan?fv-fvanswer--AfvMedicarefvAdvantagefvPrescriptionfvDrugfv(MA-
PD)fvPFFSfvplanfvthatfvcombinesfvmedicalfvbenefitsfvandfvPartfvDfvprescriptionfvdrugfvcoverage,fvafvPFFSfvplanfvoffering
fvonlyfvmedicalfvbenefits,fvorfvafvPFFSfvplanfvinfvcombinationfvwithfvafvstand-alonefvprescriptionfvdrugfvplan.
Mrs.fvNguyenfvisfvafvretiredfvfederalfvworkerfvwithfvcoveragefvunderfvafvFederalfvEmployeefvHealthfvBenefitsfv(FEHB)fvpl
anfvthatfvincludesfvcreditablefvdrugfvcoverage.fvShefvisfvreadyfvtofvturnfv65fvandfvbecomefvMedicarefveligiblefvforfvthefvfirst
fvtime.fvWhatfvissuesfvmightfvshefvconsiderfvaboutfvwhetherfvtofvenrollfvinfvafvMedicarefvprescriptionfvdrugfvplan?fv-
fvanswer--
ShefvcouldfvcomparefvthefvcoveragefvtofvseefviffvthefvMedicarefvPartfvDfvplanfvoffersfvbetterfvbenefitsfvandfvcoveragefvtha
1fv/
fv14
, AHIP - 2027
fv fv
Studyfvonlinefvatfvhttps://quizlet.com/
_jp65r9
nfvthefvFEHBfvplanfvforfvthefvspecificfvmedicationsfvshefvneedsfvandfvwhetherfvanyfvadditionalfvbenefitsfvarefvworthfvthefv
PartfvDfvpremiumfvcostsfvonfvtopfvoffvherfvFEHBfvcontribution.
Mrs.fvWood,fvagefv65,fvisfvconcernedfvthatfvshefvmayfvnotfvqualifyfvforfvenrollmentfvinfvafvMedicarefvprescriptionfvdrugfvpl
anfvbecause,fvalthoughfvshefvisfventitledfvtofvPartfvA,fvshefvisfvnotfvenrolledfvunderfvMedicarefvPartfvB.fvWhatfvshouldfvyouf
vtellfvher?fv-fvanswer--
AnfvindividualfvwhofvisfventitledfvtofvPartfvAfvorfvenrolledfvunderfvPartfvBfvisfveligiblefvtofvenrollfvinfvafvMedicarefvprescription
fvdrugfvplan.fvAsfvlongfvasfvMrs.fvWoodfvisfventitledfvtofvPartfvA,fvshefvdoesfvnotfvneedfvtofvenrollfvunderfvPartfvBfvbeforefvenr
ollingfvinfvafvprescriptionfvdrugfvplan.
Ms.fvRamosfvisfvenrolledfvinfvafvMedicarefvAdvantagefvplanfvthatfvincludesfvprescriptionfvdrugfvplanfv(PDP)fvcoverage.fv
Shefvisfvtravelingfvandfvwishesfvtofvfillfvtwofvoffvthefvprescriptionsfvthatfvshefvhasfvlost.fvHowfvwouldfvyoufvadvisefvher?fv-
fvanswer--Shefvmayfvfillfvprescriptionsfvforfvcoveredfvdrugsfvatfvnon-
networkfvpharmacies,fvbutfvlikelyfvatfvafvhigherfvcostfvthanfvpaidfvatfvanfvin-networkfvpharmacy.
Mr.fvSuttonfvhasfvafvsmallfvsavingsfvaccount.fvHefvwouldfvlikefvtofvpayfvforfvhisfvmonthlyfvPartfvDfvpremiumsfvwithfvanfvauto
maticfvmonthlyfvwithdrawalfvfromfvhisfvsavingsfvaccountfvuntilfvitfvisfvexhausted,fvandfvthenfvhavefvhisfvpremiumsfvwithhe
ldfvfromfvhisfvSocialfvSecurityfvcheck.fvWhatfvshouldfvyoufvtellfvhim?fv-fvanswer--
Infvgeneral,fvhefvmustfvselectfvafvsinglefvPartfvDfvpremiumfvpaymentfvmechanismfvthatfvwillfvbefvusedfvthroughoutfvthefvye
ar
Mrs.fvRussofvisfventitledfvtofvPartfvAfvandfvhasfvmedicalfvcoveragefvwithoutfvdrugfvcoveragefvthroughfvanfvemployerfvretir
eefvplan.fvShefvisfvnotfvenrolledfvinfvPartfvB.fvSincefvthefvemployerfvplanfvdoesfvnotfvcoverfvprescriptionfvdrugs,fvshefvwant
sfvtofvenrollfvinfvafvMedicarefvprescriptionfvdrugfvplan.fvWillfvshefvbefvablefvto?fv-fvanswer--
Yes.fvMrs.fvRussofvmustfvbefventitledfvtofvPartfvAfvand/
orfvenrolledfvinfvPartfvBfvtofvbefveligiblefvforfvcoveragefvunderfvthefvMedicarefvprescriptionfvdrugfvprogram.
Mr.fvChenfvwasfvstillfvworkingfvwhenfvhefvfirstfvqualifiedfvforfvMedicare.fvAtfvthatfvtime,fvhefvhadfvemployerfvgroupfvcovera
gefvthatfvwasfvcreditable.fvDuringfvhisfvinitialfvPartfvDfveligibilityfvperiod,fvhefvdecidedfvnotfvtofvenrollfvbecausefvhefvwasfvsa
tisfiedfvwithfvhisfvdrugfvcoverage.fvItfvisfvnowfvafvyearfvlaterfvandfvMr.fvChenfvhasfvlostfvhisfvemployerfvgroupfvcoveragefvwit
hinfvthefvlastfvtwofvweeks.fvHowfvwouldfvyoufvadvisefvhim?fv-fvanswer--
Mr.fvChenfvshouldfvenrollfvinfvafvPartfvDfvplanfvbeforefvhefvhasfvafv63-
dayfvbreakfvinfvcoveragefvinfvorderfvtofvavoidfvafvpremiumfvpenalty.
Mrs.fvStricklandfvisfvafvnewfvMedicarefvbeneficiaryfvwhofvhasfvjustfvretiredfvfromfvretailfvwork.fvShefvisfvinterestedfvinfvsele
ctingfvafvMedicarefvPartfvDfvprescriptionfvdrugfvplan.fvShefvtakesfvseveralfvmedicationsfvandfvisfvconcernedfvthatfvshefvha
sfvnotfvbeenfvablefvtofvidentifyfvafvplanfvthatfvcoversfvallfvoffvherfvmedications.fvShefvdoesfvnotfvwantfvtofvmakefvanfvabruptfv
changefvtofvnewfvdrugsfvthatfvwouldfvbefvcoveredfvandfvasksfvwhatfvshefvshouldfvdo.fvWhatfvshouldfvyoufvtellfvher?fv-
fvanswer--EveryfvPartfvDfvdrugfvplanfvisfvrequiredfvtofvcoverfvafvsinglefvone-
monthfvfillfvoffvherfvexistingfvmedicationsfvsometimefvduringfvafv90-dayfvtransitionfvperiod.
Mrs.fvCastrofvhasfvjustfvturnedfv65,fvisfvinfvexcellentfvhealthfvandfvhasfvafvrelativelyfvhighfvincome.fvShefvusesfvnofvmedica
tionsfvandfvseesfvnofvreasonfvtofvspendfvmoneyfvonfvafvMedicarefvprescriptionfvdrugfvplanfviffvshefvdoesfvnotfvneedfvthefvc
overage.fvShefvcurrentlyfvdoesfvnotfvhavefvcreditablefvcoverage.fvWhatfvcouldfvyoufvtellfvherfvaboutfvthefvimplicationsfvoff
vsuchfvafvdecision?fv-fvanswer--
IffvshefvdoesfvnotfvsignfvupfvforfvafvMedicarefvprescriptionfvdrugfvplanfvasfvsoonfvasfvshefvisfveligiblefvtofvdofvso,fvandfviffvshef
vdoesfvsignfvupfvatfvafvlaterfvdate,fvherfvpremiumfvwillfvbefvpermanentlyfvincreasedfvbyfv1%fvoffvthefvnationalfvaveragefvpre
miumfvforfveveryfvmonthfvthatfvshefvwasfvnotfvcovered.
Mrs.fvKellyfvwantsfvtofvenrollfvinfvafvMedicarefvAdvantagefvplanfvthatfvdoesfvnotfvincludefvdrugfvcoveragefvandfvalsofvenrol
lfvinfvafvstand-alonefvMedicarefvprescriptionfvdrugfvplan.fvUnderfvwhatfvcircumstancesfvcanfvshefvdofvthis?fv-fvanswer--
2fv/
fv14
fv fv
Studyfvonlinefvatfvhttps://quizlet.com/
_jp65r9
AHIP MEDICARE TRAINING Q AND A
WhichfvoffvthefvfollowingfvstatementsfvaboutfvMedicarefvPartfvDfvis/arefvcorrect?
I.fvPartfvDfvplansfvmustfvenrollfvanyfveligiblefvbeneficiaryfvwhofvapplies,fvregardlessfvoffvhealthfvstatus,fvexceptfvinfvlimitedf
vcircumstances.
II.fvPrivatefvfee-for-
servicefv(PFFS)fvplansfvarefvnotfvrequiredfvtofvusefvafvpharmacyfvnetworkfvbutfvmayfvchoosefvtofvhavefvone.
III.fvBeneficiariesfvenrolledfvinfvanfvMA-
MedicalfvSavingsfvAccountfv(MSA)fvplanfvmayfvonlyfvobtainfvPartfvDfvbenefitsfvthroughfvafvstandalonefvPDP.
IV.fvBeneficiariesfvenrolledfvinfvanfvMA-
PPOfvmayfvobtainfvPartfvDfvbenefitsfvthroughfvafvstandalonefvPDPfvorfvthroughfvtheirfvplan.fv-fvanswer--I,fvII,fvandfvIIIfvonly
Mr.fvAguilarfvisfvafvnewlyfvenrolledfvMedicarefvPartfvDfvbeneficiaryfvandfvonefvoffvyourfvclients.fvInfvadditionfvtofvdrugsfvonfv
hisfvplan'sfvformulary,fvhefvtakesfvseveralfvotherfvmedications.fvThesefvincludefvafvprescriptionfvdrugfvnotfvonfvhisfvplan'sf
vformulary,fvover-the-counterfvmedicationsfvforfvcoldsfvandfvallergies,fvvitamins,fvandfvdrugsfvfromfvanfvInternet-
basedfvCanadianfvpharmacyfvtofvpromotefvhairfvgrowthfvandfvreducefvjointfvswelling.fvHisfvneighborfvrecentlyfvtoldfvhimfv
aboutfvafvconceptfvcalledfvTrOOPfvandfvhefvasksfvyoufviffvanyfvoffvhisfvotherfvmedicationsfvcouldfvcountfvtowardfvTrOOPfv
shouldfvhefveverfvreachfvthefvPartfvDfvcatastrophicfvlimit.fvWhatfvshouldfvyoufvsay?
Questionfv2Answerfv-fvanswer--
NonefvoffvthefvcostsfvoffvMr.fvAguilar'sfvotherfvmedicationsfvwouldfvcurrentlyfvcountfvtowardfvTrOOPfvbutfvhefvmayfvwishfvt
ofvaskfvhisfvplanfvforfvanfvexceptionfvtofvcoverfvthefvprescription,fvnotfvonfvitsfvformulary.
WhatfvtypesfvoffvtoolsfvcanfvMedicarefvPartfvDfvprescriptionfvdrugfvplansfvusefvthatfvaffectfvthefvwayfvtheirfvenrolleesfvcanfv
accessfvmedications?fv-fvanswer--
PartfvDfvplansfvdofvnotfvhavefvtofvcoverfvallfvmedications.fvAsfvafvresult,fvtheirfvformularies,fvorfvlistsfvoffvcoveredfvdrugs,fvw
illfvvaryfvfromfvplanfvtofvplan.fvInfvaddition,fvtheyfvcanfvusefvcostfvcontainmentfvtechniquesfvsuchfvasfvtieredfvco-
paymentsfvandfvstepfvtherapy.
Mrs.fvEsmeraldafvAvilafvisfvafvMedicarefvbeneficiaryfvenrolledfvinfvafvMA-
PDfvplanfvyoufvrepresent.fvHerfvneighborfvrecentlyfvsufferedfvfromfvafvpainfulfvcasefvoffvshingles.fvMrs.fvAvilafvhopesfvtofv
avoidfvsuchfvanfvillnessfvthroughfvvaccination.fvShefvasksfvyoufvwhetherfvthefvcostfvoffvthefvshinglesfvvaccinationfvwillfvbef
vcoveredfvunderfvthefvplanfvyoufvrepresent.fvWhatfvshouldfvyoufvsay?fv-fvanswer--
Yes,fvtherefvisfvnofvcostfvsharingfvforfvthefvshinglesfvvaccinefvevenfvinfvthefvdeductiblefvphasefvoffvherfvprescriptionfvdrugfv
planfvbecausefvitfvisfvanfvadultfvvaccinefvrecommendedfvbyfvthefvAdvisoryfvCommitteefvonfvImmunizationfvPracticesfv(AI
CP)
Mrs.fvSharmafvhasfvOriginalfvMedicarefvandfvwouldfvlikefvtofvenrollfvinfvafvPrivatefvFee-for-
Servicefv(PFFS)fvplan.fvAllfvtypesfvoffvPFFSfvplansfvarefvavailablefvinfvherfvarea.fvWhichfvoptionsfvcouldfvMrs.fvSharmafvc
onsiderfvbeforefvselectingfvafvPFFSfvplan?fv-fvanswer--AfvMedicarefvAdvantagefvPrescriptionfvDrugfv(MA-
PD)fvPFFSfvplanfvthatfvcombinesfvmedicalfvbenefitsfvandfvPartfvDfvprescriptionfvdrugfvcoverage,fvafvPFFSfvplanfvoffering
fvonlyfvmedicalfvbenefits,fvorfvafvPFFSfvplanfvinfvcombinationfvwithfvafvstand-alonefvprescriptionfvdrugfvplan.
Mrs.fvNguyenfvisfvafvretiredfvfederalfvworkerfvwithfvcoveragefvunderfvafvFederalfvEmployeefvHealthfvBenefitsfv(FEHB)fvpl
anfvthatfvincludesfvcreditablefvdrugfvcoverage.fvShefvisfvreadyfvtofvturnfv65fvandfvbecomefvMedicarefveligiblefvforfvthefvfirst
fvtime.fvWhatfvissuesfvmightfvshefvconsiderfvaboutfvwhetherfvtofvenrollfvinfvafvMedicarefvprescriptionfvdrugfvplan?fv-
fvanswer--
ShefvcouldfvcomparefvthefvcoveragefvtofvseefviffvthefvMedicarefvPartfvDfvplanfvoffersfvbetterfvbenefitsfvandfvcoveragefvtha
1fv/
fv14
, AHIP - 2027
fv fv
Studyfvonlinefvatfvhttps://quizlet.com/
_jp65r9
nfvthefvFEHBfvplanfvforfvthefvspecificfvmedicationsfvshefvneedsfvandfvwhetherfvanyfvadditionalfvbenefitsfvarefvworthfvthefv
PartfvDfvpremiumfvcostsfvonfvtopfvoffvherfvFEHBfvcontribution.
Mrs.fvWood,fvagefv65,fvisfvconcernedfvthatfvshefvmayfvnotfvqualifyfvforfvenrollmentfvinfvafvMedicarefvprescriptionfvdrugfvpl
anfvbecause,fvalthoughfvshefvisfventitledfvtofvPartfvA,fvshefvisfvnotfvenrolledfvunderfvMedicarefvPartfvB.fvWhatfvshouldfvyouf
vtellfvher?fv-fvanswer--
AnfvindividualfvwhofvisfventitledfvtofvPartfvAfvorfvenrolledfvunderfvPartfvBfvisfveligiblefvtofvenrollfvinfvafvMedicarefvprescription
fvdrugfvplan.fvAsfvlongfvasfvMrs.fvWoodfvisfventitledfvtofvPartfvA,fvshefvdoesfvnotfvneedfvtofvenrollfvunderfvPartfvBfvbeforefvenr
ollingfvinfvafvprescriptionfvdrugfvplan.
Ms.fvRamosfvisfvenrolledfvinfvafvMedicarefvAdvantagefvplanfvthatfvincludesfvprescriptionfvdrugfvplanfv(PDP)fvcoverage.fv
Shefvisfvtravelingfvandfvwishesfvtofvfillfvtwofvoffvthefvprescriptionsfvthatfvshefvhasfvlost.fvHowfvwouldfvyoufvadvisefvher?fv-
fvanswer--Shefvmayfvfillfvprescriptionsfvforfvcoveredfvdrugsfvatfvnon-
networkfvpharmacies,fvbutfvlikelyfvatfvafvhigherfvcostfvthanfvpaidfvatfvanfvin-networkfvpharmacy.
Mr.fvSuttonfvhasfvafvsmallfvsavingsfvaccount.fvHefvwouldfvlikefvtofvpayfvforfvhisfvmonthlyfvPartfvDfvpremiumsfvwithfvanfvauto
maticfvmonthlyfvwithdrawalfvfromfvhisfvsavingsfvaccountfvuntilfvitfvisfvexhausted,fvandfvthenfvhavefvhisfvpremiumsfvwithhe
ldfvfromfvhisfvSocialfvSecurityfvcheck.fvWhatfvshouldfvyoufvtellfvhim?fv-fvanswer--
Infvgeneral,fvhefvmustfvselectfvafvsinglefvPartfvDfvpremiumfvpaymentfvmechanismfvthatfvwillfvbefvusedfvthroughoutfvthefvye
ar
Mrs.fvRussofvisfventitledfvtofvPartfvAfvandfvhasfvmedicalfvcoveragefvwithoutfvdrugfvcoveragefvthroughfvanfvemployerfvretir
eefvplan.fvShefvisfvnotfvenrolledfvinfvPartfvB.fvSincefvthefvemployerfvplanfvdoesfvnotfvcoverfvprescriptionfvdrugs,fvshefvwant
sfvtofvenrollfvinfvafvMedicarefvprescriptionfvdrugfvplan.fvWillfvshefvbefvablefvto?fv-fvanswer--
Yes.fvMrs.fvRussofvmustfvbefventitledfvtofvPartfvAfvand/
orfvenrolledfvinfvPartfvBfvtofvbefveligiblefvforfvcoveragefvunderfvthefvMedicarefvprescriptionfvdrugfvprogram.
Mr.fvChenfvwasfvstillfvworkingfvwhenfvhefvfirstfvqualifiedfvforfvMedicare.fvAtfvthatfvtime,fvhefvhadfvemployerfvgroupfvcovera
gefvthatfvwasfvcreditable.fvDuringfvhisfvinitialfvPartfvDfveligibilityfvperiod,fvhefvdecidedfvnotfvtofvenrollfvbecausefvhefvwasfvsa
tisfiedfvwithfvhisfvdrugfvcoverage.fvItfvisfvnowfvafvyearfvlaterfvandfvMr.fvChenfvhasfvlostfvhisfvemployerfvgroupfvcoveragefvwit
hinfvthefvlastfvtwofvweeks.fvHowfvwouldfvyoufvadvisefvhim?fv-fvanswer--
Mr.fvChenfvshouldfvenrollfvinfvafvPartfvDfvplanfvbeforefvhefvhasfvafv63-
dayfvbreakfvinfvcoveragefvinfvorderfvtofvavoidfvafvpremiumfvpenalty.
Mrs.fvStricklandfvisfvafvnewfvMedicarefvbeneficiaryfvwhofvhasfvjustfvretiredfvfromfvretailfvwork.fvShefvisfvinterestedfvinfvsele
ctingfvafvMedicarefvPartfvDfvprescriptionfvdrugfvplan.fvShefvtakesfvseveralfvmedicationsfvandfvisfvconcernedfvthatfvshefvha
sfvnotfvbeenfvablefvtofvidentifyfvafvplanfvthatfvcoversfvallfvoffvherfvmedications.fvShefvdoesfvnotfvwantfvtofvmakefvanfvabruptfv
changefvtofvnewfvdrugsfvthatfvwouldfvbefvcoveredfvandfvasksfvwhatfvshefvshouldfvdo.fvWhatfvshouldfvyoufvtellfvher?fv-
fvanswer--EveryfvPartfvDfvdrugfvplanfvisfvrequiredfvtofvcoverfvafvsinglefvone-
monthfvfillfvoffvherfvexistingfvmedicationsfvsometimefvduringfvafv90-dayfvtransitionfvperiod.
Mrs.fvCastrofvhasfvjustfvturnedfv65,fvisfvinfvexcellentfvhealthfvandfvhasfvafvrelativelyfvhighfvincome.fvShefvusesfvnofvmedica
tionsfvandfvseesfvnofvreasonfvtofvspendfvmoneyfvonfvafvMedicarefvprescriptionfvdrugfvplanfviffvshefvdoesfvnotfvneedfvthefvc
overage.fvShefvcurrentlyfvdoesfvnotfvhavefvcreditablefvcoverage.fvWhatfvcouldfvyoufvtellfvherfvaboutfvthefvimplicationsfvoff
vsuchfvafvdecision?fv-fvanswer--
IffvshefvdoesfvnotfvsignfvupfvforfvafvMedicarefvprescriptionfvdrugfvplanfvasfvsoonfvasfvshefvisfveligiblefvtofvdofvso,fvandfviffvshef
vdoesfvsignfvupfvatfvafvlaterfvdate,fvherfvpremiumfvwillfvbefvpermanentlyfvincreasedfvbyfv1%fvoffvthefvnationalfvaveragefvpre
miumfvforfveveryfvmonthfvthatfvshefvwasfvnotfvcovered.
Mrs.fvKellyfvwantsfvtofvenrollfvinfvafvMedicarefvAdvantagefvplanfvthatfvdoesfvnotfvincludefvdrugfvcoveragefvandfvalsofvenrol
lfvinfvafvstand-alonefvMedicarefvprescriptionfvdrugfvplan.fvUnderfvwhatfvcircumstancesfvcanfvshefvdofvthis?fv-fvanswer--
2fv/
fv14
