What is Rosanna's option for adding prescription drug coverage while keeping her MA-Only Private Fee-for-Service Plan?

Rosanna's correct option to add prescription drug coverage while maintaining her MA-Only Private Fee-for-Service Plan is to enroll in a stand-alone Prescription Drug Plan (PDP). This option is available because, under Medicare rules, individuals with a Medicare Advantage (MA) plan that does not include drug coverage (MA-Only) have the ability to purchase a separate PDP to obtain the desired prescription coverage.

This flexibility allows beneficiaries to tailor their healthcare plans according to their specific needs without having to switch entirely to a different type of Medicare Advantage plan, which may not have the same cost structure or network of providers as their current MA-Only plan.

Additionally, the correct option ensures that Rosanna does not have to cancel her existing plan, which she wants to keep, nor does it impose any restrictions on her ability to add drug coverage. It provides a straightforward pathway for obtaining prescription coverage while maintaining her existing benefits. This method emphasizes the adaptability of Medicare options and the importance of choosing plans that best fit the individual’s healthcare needs.