Under Medicare Part D rules, a plan's formulary must include at least:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medicare Part D plan formularies must be comprehensive: they must cover at least two drugs in each therapeutic category and class, with limited exceptions, ensuring that beneficiaries have meaningful treatment choices. Plans are not required to cover every drug on the market, and they commonly use tiers, prior authorization, and step therapy to manage costs. The 'two drugs per category and class' minimum is a specific Part D formulary standard the exam tests, and it is designed to prevent plans from offering only token coverage in important drug classes.
Why the other options are wrong
- B) One drug per class is below the statutory minimum; Part D requires at least two drugs in each category and class, so this option understates the floor.
- C) Part D plans are not required to include every FDA-approved drug; formularies are managed lists, so this option overstates the coverage duty.
- D) Part D formularies include both brand-name and generic drugs, typically with tiered cost-sharing, so this option wrongly eliminates brand-name coverage entirely.
Memory hook
Part D formularies keep at least two drugs in every category — a floor of choice, not an open pharmacy.