Mr. Romero is 64, retiring soon, and considering enrollment in his employer-sponsored retiree group health plan that includes drug coverage with nominal copays. He heard about a neighbor’s MA-PD plan that you represent and because he takes numerous prescription drugs, he is considering signing up for it. What should you tell him?

D

a. Generally, employers prefer retirees to enroll in a stand-alone PDP, so he should consider that instead of the MA-PD.  

b. Generally, employers prefer retirees to have both the retiree group plan and the MA-PD plan to fill in the gaps, but he would be better off with just the MA-PD plan.  

c. When possible, it is always the best option to have both the employer’s plan and the MA-PD, so he would have no out-of-pocket expenses.  

d. Beneficiaries should check with their employer or union group benefits administrator before changing plans to avoid losing the coverage they want to keep.

Explanation: