AHIP Practice Exam

The situation where Mr. Lombardi chooses a Medicare Advantage PPO plan without drug coverage highlights an important aspect of Medicare policy. When he selects a Medicare Advantage plan, which is often seen as an all-in-one alternative to Original Medicare, that specific plan typically includes both medical coverage and, in many cases, drug coverage.

However, if he opts for a plan that does not include drug coverage, he cannot combine it with a standalone Medicare Part D plan from another insurer. This means he is restricted in that he has to either find a different Medicare Advantage plan that includes drug coverage or remain without any drug coverage since the regulation prohibits mixing different types of Medicare plans in this manner.

Understanding this limitation is crucial for individuals like Mr. Lombardi when selecting their healthcare coverage options, emphasizing the need to thoroughly evaluate plans to ensure they offer comprehensive services, including prescription drug benefits if needed.