Psychiatric-Mental Health Nurse Practitioner Exam

What is a primary limitation of Medicare Part D?

1. No coverage for medical procedures

2. High out-of-pocket costs for medications

3. Limited coverage for hospital stays

4. Mandatory enrollment in preventive services

The correct answer is: High out-of-pocket costs for medications

The primary limitation of Medicare Part D is indeed high out-of-pocket costs for medications. While Medicare Part D provides prescription drug coverage, beneficiaries often face significant costs that can include monthly premiums, copayments, and deductibles. These out-of-pocket expenses can be a barrier for many individuals, particularly those with chronic conditions who rely on multiple medications, as the expenses can add up quickly. It's important to note that although Medicare does not cover certain medical procedures and hospital stays directly under Part D, this is not a specific limitation of the prescription drug program itself. Additionally, while Medicare encourages preventive services, enrollment in these services is not mandatory; thus, that option does not highlight a limitation of Part D. Therefore, the focus on the financial burden of medication costs makes high out-of-pocket expenses the most pertinent limitation of this program.