South Carolina Insurance Practice Exam

What is required for someone to be eligible for Medicare Part D?

1. Must have Medicaid coverage

2. Must have Medicare coverage

3. Must be over 65 years old

4. Must have a specific income level

The correct answer is: Must have Medicare coverage

To be eligible for Medicare Part D, an individual must have Medicare coverage. Medicare Part D is designed as a prescription drug plan that helps cover the cost of prescription medications for those who are already enrolled in Medicare. This inclusion is crucial because Part D serves as an enhancement to the Medicare framework, ensuring that beneficiaries have access to essential medications. While being over 65 years old is common for many Medicare recipients, there are individuals under 65 who also qualify for Medicare due to disabilities or specific medical conditions, making age not a sole criterion for Part D eligibility. Additionally, having Medicaid coverage or meeting specific income thresholds can sometimes offer additional benefits but is not a requirement for enrollment in Medicare Part D itself. Thus, having Medicare coverage stands as the fundamental prerequisite for accessing Part D benefits.