Which statement is true about Medicare's coverage of prescription drugs?

Prepare for the North Carolina Medicare Supplement and Long-Term Care Agent Test with flashcards and multiple-choice questions. Each comes with hints and explanations. Ace your exam confidently!

Medicare's coverage of prescription drugs can be complex, but the statement that Medicare does not cover most prescription drugs is valid in the context of original Medicare. Original Medicare, which consists of Part A and Part B, generally does not provide coverage for most outpatient prescription medications. Part A primarily covers inpatient hospital stays, limited skilled nursing facility care, hospice, and some home health services, while Part B covers medically necessary services like doctor visits and outpatient care, but not routine prescription drugs.

For prescription drug coverage, Medicare beneficiaries typically need to enroll in Medicare Part D, which is specifically designed for this purpose. Part D plans are offered by private insurance companies and cover a range of prescription medications, but coverage can vary widely based on the plan selected. Therefore, stating that Medicare does not cover most prescription drugs aligns with the structure of Medicare itself, indicating that beneficiaries should seek additional coverage through Part D for their prescription needs.

Understanding this distinction helps clarify why the other options do not accurately reflect the reality of Medicare's prescription drug coverage.

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