AHIP Practice Exam

What will happen to Mrs. McIntire's drug coverage when she becomes eligible for Medicare?

1. She will lose all drug coverage

2. She must pay for drug coverage out of pocket

3. She will be automatically enrolled in a Medicare Part D plan

4. She has to opt-in to receive any drug coverage

The correct answer is: She will be automatically enrolled in a Medicare Part D plan

When Mrs. McIntire becomes eligible for Medicare, she will be automatically enrolled in a Medicare Part D plan, which is designed to provide prescription drug coverage. This automatic enrollment typically applies to individuals who are already receiving Social Security benefits or are enrolled in Medicare Part A and/or Part B when they reach eligibility for Medicare. It is important to recognize that Medicare Part D aims to ensure that beneficiaries have access to necessary medications at a subsidized cost. Automatic enrollment simplifies the process, as individuals do not need to apply for coverage themselves; they will be placed into a plan that meets standard requirements. This is designed to minimize gaps in coverage and ensure that beneficiaries do not face barriers to obtaining essential medications. In contrast, the other options imply that she would either lose all drug coverage or need to pay for it entirely out of pocket. Neither scenario accurately reflects the provisions of Medicare concerning drug coverage for eligible individuals. The option suggesting that she must opt-in to receive drug coverage overlooks the automatic nature of enrollment for those meeting specific criteria.