Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
A Medicare Advantage (Part C) plan must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medicare Advantage plans must provide at least the same coverage as Original Medicare, and they are permitted to offer additional benefits such as dental, vision, hearing, and sometimes fitness programs. Because MA plans assume the risk of providing Part A and Part B benefits, enrollees must retain both Parts A and B and continue paying the Part B premium. MA plans also cap annual out-of-pocket spending. This benefit-equivalence rule is the core requirement examined under AH-III.D.1f.
Why the other options are wrong
- B) Most MA plans include prescription coverage (MAPD), and Part D can be included, so exclusion is not required.
- C) MA plans must limit enrollees' annual out-of-pocket costs, so unlimited cost-sharing is prohibited.
- D) Enrollees must keep Part A (and Part B) to stay in an MA plan; dropping Part A disqualifies them.
Memory hook
MA = Original Medicare coverage, same or better, never less.