What options enable a consumer to obtain prescription drug coverage?

The correct answer focuses on a strategy that allows consumers to have comprehensive prescription drug coverage while also maintaining other essential health benefits. Enrolling in a Plan Flexible for All (PFFS) Medicare Advantage (MA) plan alongside a stand-alone Prescription Drug Plan (PDP) is an effective way to achieve this coverage.

A PFFS MA-Only plan provides medical coverage for healthcare services under Medicare, but it does not inherently include prescription drug benefits. By adding a stand-alone PDP, consumers ensure that they have dedicated coverage specifically for their prescription medications. This dual approach allows for flexibility in healthcare choices and ensures that the consumer is protected from high drug costs.

Other options may not offer the same level of coverage or flexibility. For instance, enrolling in any Medicare Advantage plan typically includes some level of drug coverage, but not all plans may meet specific needs, especially if the consumer requires extensive medication management. Choosing a short-term health insurance policy does not provide reliable prescription drug coverage since these policies often have limited benefits and are not designed for comprehensive healthcare management. Thus, option B represents the most advantageous path for obtaining complete prescription drug coverage alongside essential health services.