Which of the following costs count toward Mrs. Duran's True-Out-of-Pocket (TrOOP) expenses?

The True-Out-of-Pocket (TrOOP) expenses represent the total amount that a Medicare beneficiary must pay out-of-pocket before qualifying for catastrophic coverage under the Medicare Part D prescription drug benefit. TrOOP includes specific costs related to prescription medications that count towards the beneficiary's out-of-pocket limit.

In the context of Mrs. Duran's situation, the annual Part D plan deductible and any supplemental coverage provided through her employer would indeed count towards her TrOOP expenses. The deductible is part of her out-of-pocket spending, and if her employer's supplemental coverage provides benefits related to prescription drugs, those costs are also taken into account since they contribute to her overall expenses on medications.

On the other hand, options referring to employer group waiver plans or over-the-counter medications do not qualify as TrOOP expenses. Specifically, costs associated with over-the-counter medications or coverage not linked directly to her Medicare Part D plan would not count. Therefore, the correct choice reflects the expenses that directly contribute to her True-Out-of-Pocket costs as defined by Medicare guidelines.