Ms. Gibson recently lost her employer group health and drug coverage and now she wants to enroll in a PPO that does not include drug coverage. What should you tell her about obtaining drug coverage?
Health · High School · Thu Feb 04 2021
Answered on
Ms. Gibson can obtain separate prescription drug coverage through a Medicare Part D plan to accompany her Preferred Provider Organization (PPO) health plan that does not include drug coverage. Since she lost her employer group coverage, she would qualify for a Special Enrollment Period (SEP) to enroll in a Medicare Part D plan outside of the usual Annual Election Period. It is important for her to enroll in a Part D plan as soon as possible to avoid gaps in coverage and to prevent late enrollment penalties that could be charged if she goes without creditable prescription drug coverage for a period of 63 days or more after her initial enrollment period is over.