What exception allows a beneficiary to enroll in a plan with prescription drug coverage after choosing an MA-only plan?

The correct choice highlights the one-time election opportunity available to beneficiaries during the Open Enrollment Period. This allows individuals who initially enroll in a Medicare Advantage (MA-only) plan to change their enrollment to include a plan with prescription drug coverage if they did not opt for such coverage initially. This option is designed to enhance flexibility and ensure that beneficiaries can make decisions that best meet their healthcare needs, particularly regarding access to necessary medications.

During the Open Enrollment Period, individuals have the ability to make adjustments to their coverage without facing restrictions, which may not be the case at other times of the year. This provision acknowledges the importance of medication access for those who need it and allows beneficiaries to align their plan choices with their health requirements.

The context of this choice is important as it recognizes that beneficiaries may have changing needs over time, and offering a mechanism for this adjustment supports better health outcomes. Understanding this option is crucial for anyone involved in Medicare Advantage planning, as it emphasizes the program’s commitment to beneficiary-centric care and adaptability.