Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Medicare Part D prescription drug coverage is available either as a standalone prescription drug plan (PDP) or:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medicare Part D prescription drug coverage can be obtained in two ways: through a standalone Prescription Drug Plan (PDP) that covers only drugs and works alongside Original Medicare, or through a Medicare Advantage plan that includes drug coverage, known as an MA-PD. A beneficiary enrolling in Part D must be entitled to Part A and/or enrolled in Part B. Part D is not part of Original Medicare's Part B, is not a Medigap benefit, and is not available only through Medicaid.
Why the other options are wrong
- B) Part D is a separate voluntary drug benefit administered by private plans; it is not part of Part B's medical coverage.
- C) Medigap policies sold after 2005 are not allowed to include prescription drug coverage, so they cannot deliver Part D benefits.
- D) Part D is a Medicare benefit, not a Medicaid benefit, though dual-eligible beneficiaries may get help paying for it through Medicare.
Memory hook
Part D comes two ways: standalone PDP next to Original Medicare, or built into an MA plan as MA-PD.