CARD Q095
Which statement reflects the Medicare Part D redesign beginning in 2025?
- Beneficiaries must pay coinsurance after reaching the annual out-of-pocket cap
- The coverage gap remained, but its entry threshold was removed
- The annual deductible was eliminated for all plans
- The coverage-gap phase was eliminated
The coverage-gap phase was eliminated
Do not memorize the older donut-hole phases as current rules. Deductibles, covered-drug cost sharing, and an annual out-of-pocket cap still apply.
Why each choice is right or wrong
A. Beneficiaries must pay coinsurance after reaching the annual out-of-pocket cap
Incorrect. After the applicable covered-drug out-of-pocket threshold, beneficiary cost sharing for covered Part D drugs is eliminated under the redesign.
B. The coverage gap remained, but its entry threshold was removed
Incorrect. The coverage-gap phase itself was eliminated.
C. The annual deductible was eliminated for all plans
Incorrect. The redesign did not eliminate every plan deductible.
D. The coverage-gap phase was eliminated
Correct. Do not memorize the older donut-hole phases as current rules. Deductibles, covered-drug cost sharing, and an annual out-of-pocket cap still apply.
Review the related terms
Use these lessons to revisit the concepts and try additional practice questions.