Question

Aries is currently a member of a stand-alone PDP. Aries would like to have additional medical coverage. A thorough needs analysis indicates a Medicare Advantage Plan would be a good fit, there are plans available in his area, and he is in a valid election period. Which option is available to Aries?

A. Continue with the stand-alone PDP.
B. Enroll in a Medicare Advantage Plan.
C. Purchase a long-term care insurance policy.
D. Join a Health Maintenance Organization (HMO).

Answer 1

Based on the needs analysis provided, Aries should enroll in a Medicare Advantage Plan which offers a combination of coverage that may include a network of healthcare providers, prescription drugs, and other additional benefits.

Step-by-step explanation:

The student's question pertains to the options available to Aries, who is currently enrolled in a stand-alone Prescription Drug Plan (PDP) and wishes to expand their medical coverage. Given that a needs analysis indicates a Medicare Advantage Plan would suit Aries, that these plans are available in the area, and Aries is within a valid election period, the best option would be to enroll in a Medicare Advantage Plan. This plan combines Medicare Part A (hospital insurance) and Part B (medical insurance), potentially including drug coverage and other benefits. It's structured like an HMO or PPO with network restrictions and may require choosing a primary care physician and obtaining referrals for specialists.