Maryland Life and Health Insurance License Practice Exam

What does Medicare Part D specifically cover?

1. Inpatient hospital stays

2. Long-term nursing facility care

3. Prescription drugs

4. Routine dental care

The correct answer is: Prescription drugs

Medicare Part D is specifically designed to provide coverage for prescription drugs. This component of Medicare helps beneficiaries afford medications prescribed by their healthcare providers. By enrolling in a Medicare Part D plan, beneficiaries gain access to a wide range of covered drugs, lowering their out-of-pocket costs for medications. This coverage is crucial for seniors and individuals with disabilities, as it can significantly mitigate the financial burden of ongoing prescription drug costs, which can otherwise be substantial. By ensuring access to medications, Medicare Part D promotes better health outcomes and the overall well-being of its enrollees. Options like inpatient hospital stays, long-term nursing facility care, and routine dental care pertain to other aspects of Medicare or are generally covered by other types of insurance. Thus, they do not align with the specific purpose of Medicare Part D, further reinforcing that the correct focus is on prescription drug coverage.