What alternative option can Mr. Singh consider if he wants drug coverage without enrolling in a Medicare Advantage plan?

What alternative option can Mr. Singh consider if he wants drug coverage without enrolling in a Medicare Advantage plan?

• A. Enroll in a Medigap plan
• B. Sign up for a stand-alone prescription drug plan
• C. Apply for employer-sponsored healthcare
• D. Purchase an individual health insurance policy

Answer: (B)

The best alternative option for Mr. Singh to obtain drug coverage without enrolling in a Medicare Advantage plan is signing up for a stand-alone prescription drug plan (PDP). This choice allows him to access prescription drug benefits while maintaining his original Medicare coverage (Part A and Part B). The stand-alone prescription drug plans are specifically designed to cover medications, providing a flexible option for individuals who prefer to keep their traditional Medicare benefits while still meeting their prescription drug needs. By enrolling in a PDP, Mr. Singh can select a plan that best fits his medication requirements and budget. The other options, while they may provide healthcare coverage, do not specifically address the need for drug coverage without enrolling in a Medicare Advantage plan. Medigap plans primarily offer supplemental coverage for out-of-pocket costs associated with Medicare services and do not cover prescription drugs. Employer-sponsored healthcare and individual health insurance policies may include drug coverage, but these alternatives might not be as straightforward or cost-effective for someone who is already eligible for Medicare.

The best alternative option for Mr. Singh to obtain drug coverage without enrolling in a Medicare Advantage plan is signing up for a stand-alone prescription drug plan (PDP). This choice allows him to access prescription drug benefits while maintaining his original Medicare coverage (Part A and Part B).

The stand-alone prescription drug plans are specifically designed to cover medications, providing a flexible option for individuals who prefer to keep their traditional Medicare benefits while still meeting their prescription drug needs. By enrolling in a PDP, Mr. Singh can select a plan that best fits his medication requirements and budget.

The other options, while they may provide healthcare coverage, do not specifically address the need for drug coverage without enrolling in a Medicare Advantage plan. Medigap plans primarily offer supplemental coverage for out-of-pocket costs associated with Medicare services and do not cover prescription drugs. Employer-sponsored healthcare and individual health insurance policies may include drug coverage, but these alternatives might not be as straightforward or cost-effective for someone who is already eligible for Medicare.