Question

Jennifer is enrolling into a Medicare Advantage (MA) plan and wants to know what counts toward the Out-of-Pocket Maximum. Which of the following is accurate?

A. All Out-of-Pocket costs she pays toward her health care and prescription drug expenses would count toward the Out-of-Pocket Maximum.
B. Jennifer's costs for prescription drugs and any benefits not covered by Original Medicare will count toward the Out-of-Pocket Maximum.
C. The Out-of-Pocket Maximum includes any costs she pays toward the plan, such as plan premiums and health care expenses.
D. The Out-of-Pocket Maximum will include her costs toward any Medicare-covered Part A or B services.

Answer 1

Answer B is correct; Jennifer's Out-of-Pocket Maximum includes costs for prescription drugs and benefits not covered by Original Medicare, not plan premiums.

Step-by-step explanation:

When Jennifer is enrolling into a Medicare Advantage (MA) plan, what counts toward the Out-of-Pocket Maximum is a common question. Among the options provided, answer B is accurate: Jennifer's costs for prescription drugs and any benefits not covered by Original Medicare will count toward the Out-of-Pocket Maximum. This means that while Medicare-covered Part A and B services costs do apply towards this limit, things like plan premiums do not. It's important to note that the Out-of-Pocket Maximum is in place to help limit the total expenses a beneficiary has to pay in a calendar year.