AHIP Practice Exam

What advice should be given to Myra regarding her Medicare Advantage enrollment?

1. Enroll immediately in an MA plan.

2. Remain in Original Medicare until the annual election period.

3. Wait for the next special enrollment period to enroll.

4. Cancel her Original Medicare to avoid penalties.

The correct answer is: Remain in Original Medicare until the annual election period.

When considering Myra's Medicare Advantage enrollment, advising her to remain in Original Medicare until the annual election period is prudent. This recommendation enables her to fully evaluate her healthcare needs and the various Medicare Advantage plans available to her. The annual election period allows beneficiaries to compare options without rushing, ensuring they select a plan that best fits their requirements. Staying in Original Medicare also helps Myra avoid potential disruptions in coverage that could arise from switching plans prematurely, as Original Medicare provides her with straightforward access to a wide range of healthcare providers. Additionally, staying in Original Medicare keeps her eligibility intact for premium-free Part A and may preserve her chances of enrolling in a tailored Medicare Advantage plan during the specified enrollment periods without incurring penalties. The other choices can lead to unfavorable situations, such as enrolling too hastily in an MA plan that may not meet her needs or experiencing gaps in coverage by canceling Original Medicare. Patience and informed decision-making during the designated enrollment periods will serve Myra best in navigating her Medicare options.