How can individuals enroll in Medicare Part D insurance?

Individuals with Medicare Part A and Part B can indeed enroll in a stand-alone Medicare Part D plan. This option enables beneficiaries to receive prescription drug coverage alongside their hospital and medical services. Medicare Part D is specifically designed to help cover the cost of prescription medications, and it is available to anyone who is entitled to Medicare and has coverage through Parts A and B.

Enrollment typically occurs during specific periods, including the Initial Enrollment Period (when individuals first become eligible for Medicare), the Annual Enrollment Period (which runs from October 15 to December 7 each year), and other special circumstances that may allow for enrollment at different times.

While individuals may have the option of enrolling in a Medicare Advantage plan that includes drug coverage, choosing a stand-alone Part D plan provides an alternative for those who wish to retain Original Medicare while still obtaining prescription drug benefits. This flexibility is essential for many beneficiaries, as it allows them to customize their healthcare coverage according to their individual needs.

This makes enrollment in a stand-alone plan the correct answer, as it accurately reflects the eligibility and options available for individuals looking to secure Medicare Part D prescription drug coverage.