What can Mrs. Nelson do regarding her Private Fee-for-Service (PFFS) plan that lacks drug coverage?

Mrs. Nelson can enroll in a Private Fee-for-Service (PFFS) plan along with a stand-alone drug plan because this option allows her to have both the medical benefits from the PFFS plan and the necessary prescription drug coverage provided by a separate plan specifically for that purpose.

PFFS plans are a type of Medicare Advantage plan that do not generally include drug coverage, so for individuals like Mrs. Nelson who require medication, adding a stand-alone drug plan provides essential coverage. This combination ensures that she can manage her health care needs comprehensively without sacrificing prescription drug coverage, which is crucial for many beneficiaries. Enrolling in both types of plans can be beneficial, especially if the PFFS plan either does not offer drug coverage or if Mrs. Nelson is looking for a more tailored drug plan that meets her specific needs.

Other options, while they may include aspects related to Medicare coverage, do not fully address the need for both types of plans to cover Mrs. Nelson's requirements. Thus, having the flexibility to select a stand-alone drug plan alongside her existing PFFS plan is the most advantageous choice for her situation.