What should you inform Mrs. Lester regarding her interest in an MA MSA plan and prescription coverage?

When discussing Mrs. Lester's interest in a Medicare Advantage Medical Savings Account (MA MSA) plan and its relationship with prescription coverage, it is important to clarify that she can maintain her standalone Part D plan while enrolling in the MA MSA plan.

MA MSA plans are unique as they combine a savings account with a high-deductible health plan, allowing members to save money for qualified medical expenses. Importantly, enrollees in an MA MSA plan do not lose their ability to have a separate standalone Medicare Part D plan for their prescription drug coverage. This means Mrs. Lester can continue to receive her prescription drug benefits through her Part D plan even after enrolling in the MA MSA plan. This flexibility is crucial, as it provides her with continued access to necessary medications while taking advantage of the benefits offered by the MA MSA plan.

Maintaining a standalone Part D plan provides additional security against high prescription costs, which is particularly beneficial for those who may have ongoing medication needs, ensuring comprehensive coverage across both healthcare and prescription services.