New Jersey Life and Health State Practice Exam

How does one become eligible for Part D: Prescription Drug coverage?

1. Must have Medicaid coverage

2. Must have Medicare coverage

3. Must have private health insurance

4. Must be at least 65 years old

The correct answer is: Must have Medicare coverage

To become eligible for Part D: Prescription Drug coverage, one must have Medicare coverage. Part D is specifically designed as a prescription drug benefit program that is available to individuals who are enrolled in Medicare. This coverage is aimed at helping those with Medicare manage the costs of their prescription medications, reducing out-of-pocket expenses. While having Medicaid can provide some individuals with prescription drug coverage, it is not a requirement for eligibility for Part D. Similarly, private health insurance does not qualify someone for Part D; you must have Medicare. Although being at least 65 years old is one way to qualify for Medicare (as individuals can enroll in Medicare when they turn 65), it is not a direct requirement for eligibility for Part D on its own. Ultimately, enrollment is linked to the individual's enrollment in Medicare, which is the primary criterion for accessing Part D benefits.