What must Ms. Henderson understand about obtaining Part B coverage at age 65?

The correct choice acknowledges that a standard monthly premium applies to most individuals who enroll in Medicare Part B at age 65, regardless of their income level. While some beneficiaries may qualify for assistance programs that can help with the costs, the general rule is that Medicare Part B does require a monthly premium.

Medicare Part B is intended to cover medically necessary services such as doctor visits, outpatient care, and preventive services. To access these benefits, beneficiaries must pay this standard premium, which is set annually and changes based on factors like cost-of-living adjustments. It underscores the understanding that while certain circumstances may adjust costs for specific individuals, the standard approach is consistent across the board.

It's also important to recognize that there are different premium rates based on income, but the standard premium is what applies to the majority. This highlights the need for individuals to plan ahead and understand their financial obligations under Medicare when they reach the age of eligibility.