Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
To enroll in a stand-alone Medicare Part D prescription drug plan (PDP), an individual must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
To enroll in a stand-alone Part D prescription drug plan, the individual must be entitled to Medicare Part A and/or enrolled in Part B. Part D is voluntary, and eligible beneficiaries may choose a stand-alone PDP or a Medicare Advantage plan with prescription drug coverage (MAPD). Having existing creditable coverage is a reason an individual may delay Part D without penalty, not a prerequisite for enrollment. Medigap plans do not provide prescription drug coverage and are not required for Part D.
Why the other options are wrong
- B) Part D is available to all Medicare beneficiaries, including those 65 and older; there is no under-65 requirement.
- C) Medigap is separate from Part D and does not include drug coverage; it is not a prerequisite.
- D) Creditable coverage is what allows penalty-free delay of Part D, not what permits enrollment.
Memory hook
Part D entry ticket: Part A, Part B, or both. Creditable coverage just stops the late penalty clock.