Medicare Part D is what type of benefit?

• A. Hospital insurance
• B. Prescription drug benefit program
• C. Vision coverage
• D. Long-term care coverage

Answer: (B)

Medicare Part D is the prescription drug benefit. It provides coverage for prescription medications through plans offered by private insurers that Medicare approves, either as a standalone Part D plan or within a Medicare Advantage plan that includes drug coverage. This benefit helps reduce the cost of medications through premiums, possible deductibles, and copayments, making medications more affordable for beneficiaries. It is separate from hospital insurance (Part A) and medical insurance (Part B), and it does not cover vision or long-term care.