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Medical ExpenseVerified · outline & fact-checked · Sep 2026Difficulty 2/5

A Medicare Part D prescription drug plan formulary must include...

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Answer & full 3-part explanation (select an option above, or peek)

Why A is correct

CMS regulations require every Part D plan's formulary to include at least two drugs in each therapeutic category and class, so beneficiaries have a genuine choice of treatment within each disease area. Plans may use tiers and utilization management such as prior authorization and step therapy, but the two-drug minimum protects access. A formulary is not required to cover every FDA-approved drug, and plans routinely cover generic and brand products together. The two-drug-per-class minimum is the precise formulary standard tested in the Medicare Part D section of the senior health products outline.

Why the other options are wrong

  • B) One drug per class is below the statutory minimum of two.
  • C) Formularies include generics and brands; they are not brand-only.
  • D) No plan covers every FDA-approved drug; formularies are selective by design.

Memory hook

Part D formularies: at least two drugs in every therapeutic class.

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