For what reason might a person choose a stand-alone Medicare Part D plan?

Choosing a stand-alone Medicare Part D plan is often based on the need for prescription drug coverage that is not provided through a Medicare Advantage plan. If an individual is enrolled in a Medicare Advantage plan that does not include drug coverage, they would require a separate Part D plan to help manage and pay for their medications. This situation highlights the importance of evaluating the specifics of Medicare Advantage plans, as not all of them include comprehensive drug coverage.

The other options do not accurately represent reasons for opting for a stand-alone plan. For instance, age does not restrict eligibility for Medicare Advantage plans; they are available to anyone who qualifies for Medicare regardless of their age. Additionally, while Part D enrollment is strongly encouraged, it is not mandatory for all Medicare beneficiaries, as some may choose not to enroll if they do not take medications. Finally, while cost is an important factor for many, the primary reason for selecting a stand-alone Part D plan is usually tied to the need for drug coverage not included in another plan.