b. Mrs. Chi may enroll in a MA MSA plan but if she wishes prescription drug coverage it must be a MSA-PD plan that includes drug coverage.
Medicare Advantage Medical Savings Account (MA MSA) plans are available to all eligible Medicare beneficiaries, regardless of income level. Mrs. Chi can enroll in a Medicare Advantage MSA plan, which offers a high-deductible health plan along with a savings account. The plan deposits funds into the savings account, which she can use to pay for qualified medical expenses.
However, since Mrs. Chi wants prescription drug coverage, she should look for a Medicare Advantage MSA plan that includes drug coverage, commonly known as MSA-PD plans. These plans combine the benefits of an MSA plan with prescription drug coverage, so she can have both medical and drug coverage under one plan. Alternatively, she could enroll in a separate standalone Part D prescription drug plan if she finds it more suitable for her needs.