Georgia Navigator Practice Exam

Which of the following is true about Medicare Part C?

1. It only covers prescription drugs.

2. It replaces and covers expenses found in Part A and B.

3. It is strictly for low-income individuals.

4. It has no limitations on provider choice.

The correct answer is: It replaces and covers expenses found in Part A and B.

Medicare Part C, also known as Medicare Advantage, is a private insurance plan that offers an alternative way for beneficiaries to receive Medicare benefits. It combines the coverage provided by Medicare Part A (hospital insurance) and Part B (medical insurance) and typically includes additional benefits such as dental, vision, and sometimes prescription drug coverage. The key aspect of Medicare Part C is that it replaces traditional Medicare, allowing beneficiaries to receive their Part A and Part B services through a single plan managed by a private insurance company approved by Medicare. This integration of benefits is a significant feature of Part C, making it distinct from the original Medicare framework that operates separately for Parts A and B. The other options do not accurately represent Medicare Part C. It does not solely cover prescription drugs; those benefits are typically part of either a standalone Part D plan or included within certain Part C plans. Moreover, Medicare Part C is not strictly for low-income individuals; it is available to all individuals who qualify for Medicare. Lastly, Part C plans may have specific limitations on provider choices since they often require using network providers. This contrasts with the more flexible choices that original Medicare offers.