Ms. Gibson recently lost her employer group health and drug coverage and now she wants to enroll in a PPO that does not include drug coverage. What should you tell her about obtaining drug coverage?
a. She can enroll in the PPO and if she decides that she wants drug coverage, she will be able to drop her PPO at any time in favor of a Medicare Advantage plan that includes such drug coverage.
b. She can enroll in the PPO and purchase drug coverage through a stand-alone Medicare Part D prescription drug plan.
c. She can enroll in the PPO and purchase drug coverage through a Medigap plan.
d. She can enroll in the PPO, but she will not be able to purchase a stand-alone Medicare Part D prescription drug plan.
b. She can enroll in the PPO and purchase drug coverage through a stand-alone Medicare Part D prescription drug plan.
If Ms. Gibson wants drug coverage and enrolls in a Medicare PPO that does not include drug coverage, she can purchase a stand-alone Medicare Part D prescription drug plan to add drug coverage. Medicare Part D plans are designed specifically to provide coverage for prescription medications and can be purchased separately from Medicare Advantage (including PPOs) and Medigap plans. By enrolling in a stand-alone Part D plan, Ms. Gibson can ensure she has prescription drug coverage while still being able to use her chosen PPO for other healthcare services.
