Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Medicare prescription drug coverage (Part D) may be obtained through:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Part D coverage is available in two forms: a stand-alone prescription drug plan (PDP) that supplements Original Medicare, or a Medicare Advantage plan with prescription drug coverage (MA-PD) that bundles medical and drug benefits. A beneficiary with Original Medicare typically uses a PDP, while MA enrollees generally receive their drug coverage through their plan. Both satisfy the Part D requirement.
Why the other options are wrong
- B) Medigap policies do not include Part D drug coverage; standardized Medigap plans exclude prescription drugs.
- C) Part A covers hospital care, not outpatient prescription drugs.
- D) Part D is a Medicare benefit; employer coverage may be creditable, but Part D itself is not employer-exclusive.
Memory hook
Part D: pick a stand-alone PDP or an MA plan with drugs (MA-PD).