AHIP Practice Exam

Question: 1 / 400

What can Mr. Rockwell do regarding his Part B and D enrollment if his employer reduces prescription drug benefits?

He can choose to stay on his employer plan without consequences.

He can enroll in Part B and D immediately.

He can utilize the special enrollment period due to loss of coverage.

Mr. Rockwell can utilize the special enrollment period due to the loss of coverage because a reduction in prescription drug benefits signifies a significant change in his health coverage. Under Medicare guidelines, individuals who experience a loss of their current health or drug coverage may qualify for a special enrollment period, which allows them to enroll in Medicare Part B and Part D outside of the standard enrollment periods.

This option is particularly important for those who were previously covered by an employer's plan that may have provided adequate prescription drug coverage. If the benefits are reduced, it can affect access to necessary medications, therefore triggering the special enrollment provisions.

Being able to enroll immediately ensures that he does not face a gap in coverage or incur penalties that may arise from delayed enrollment. This flexibility is designed to protect individuals’ access to healthcare services, which is particularly important during transitions in benefits.

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He must wait until the general enrollment period to reapply.

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