Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which statement about Medicare Advantage (Part C) plans is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medicare Advantage plans must provide all benefits covered under Original Medicare (Part A and Part B services), and they may cover additional benefits beyond Original Medicare. Although plans may impose different cost-sharing and network rules, the statutory floor is that MA coverage is at least equal to Original Medicare's benefits. This floor requirement is the core Part C point tested in the senior products objectives, and it explains why MA plans cannot drop mandated benefits.
Why the other options are wrong
- B) MA plans must cover all Original Medicare services; they cannot pick and choose a subset of benefits.
- C) MA plans may include prescription drug coverage (MAPD), but a stand-alone Part D plan also exists; MA does not replace Part D as a separate program.
- D) MA plans commonly use networks (HMO, PPO, PFFS designs) and set their own cost-sharing, but that does not let them drop mandated benefits.
Memory hook
Medicare Advantage must cover what Original Medicare covers — and can pile on extras. The floor is the whole original floor.