Question

Mr. Romero is 64, retiring soon, and considering enrollment in his employer-sponsored retiree group health plan that includes drug coverage with nominal copays. He heard about a neighbor’s MA-PD plan that you represent and because he takes numerous prescription drugs, he is considering signing up for it. What should you tell him?

Answer 1

Answer:

D

a. Generally, employers prefer retirees to enroll in a stand-alone PDP, so he should consider that instead of the MA-PD.  

b. Generally, employers prefer retirees to have both the retiree group plan and the MA-PD plan to fill in the gaps, but he would be better off with just the MA-PD plan.  

c. When possible, it is always the best option to have both the employer’s plan and the MA-PD, so he would have no out-of-pocket expenses.  

d. Beneficiaries should check with their employer or union group benefits administrator before changing plans to avoid losing the coverage they want to keep.

Explanation:

Answer 2

The correct option will be that "He should compare the benefits in his employer-sponsored retiree group health plan with the benefits in his neighbor's MA-PD plan to determine which one will provide sufficient coverage for his prescription needs"

In this case since he is considering signing up for it, the benefits that he has in the employer-sponsored retiree group will have to be compared with the neighbor's MA-PD plan. This will then be useful in the determination of the one that will be able to meet the coverage for the prescription needs.

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