AHIP Practice Exam

What can Mrs. Chi do about her current Part D plan if she enrolls in a MA MSA plan?

1. She must drop the Part D plan

2. She can keep her current standalone Part D plan

3. She has to switch to a new Part D plan

4. She can only have Medicare Advantage coverage

The correct answer is: She can keep her current standalone Part D plan

When Mrs. Chi enrolls in a Medicare Advantage (MA) Medical Savings Account (MSA) plan, she retains the option to keep her current standalone Part D plan. This is due to the specific structure of MA MSA plans which do not inherently include prescription drug coverage. Medicare Advantage plans generally combine health coverage with often included drug coverage; however, MA MSA plans specifically do not offer a built-in Part D plan. Therefore, beneficiaries like Mrs. Chi are allowed to maintain their standalone Part D plans if they choose. It’s important to highlight that if she does opt to stick with her Part D plan, she needs to ensure it remains active and meets her prescription needs, since she will not be getting drug coverage through her MSA plan. There are no requirements for her to discontinue her existing plan upon enrollment in an MA MSA plan unless there’s a financial or coverage reason compelling her to do so.