Which statement describes a disadvantage of PDP plans?

Which statement describes a disadvantage of PDP plans?

• A. Each plan has its own list of covered drugs
• B. Total cost may vary from plan to plan
• C. Premiums can vary by year
• D. Plan benefits may change year to year

Answer: (D)

The main idea here is that the benefits offered by prescription drug plans can change every year. That year-to-year variability is the key disadvantage because it can disrupt your started or preferred medications. A drug that’s covered with a certain copay this year might move to a higher tier, require prior authorization, or even be dropped from the formulary next year. That means you may have to switch plans or change medications to keep costs reasonable, adding confusion and potential gaps in coverage. The other statements describe normal features of PDPs: each plan having its own drug list reflects how plans tailor coverage; costs can vary across plans as a feature of competition; and premiums can change from year to year as plans adjust pricing. None of these capture the personal impact of losing or changing coverage for medications you rely on as clearly as the annual change in plan benefits does.

The main idea here is that the benefits offered by prescription drug plans can change every year. That year-to-year variability is the key disadvantage because it can disrupt your started or preferred medications. A drug that’s covered with a certain copay this year might move to a higher tier, require prior authorization, or even be dropped from the formulary next year. That means you may have to switch plans or change medications to keep costs reasonable, adding confusion and potential gaps in coverage.

The other statements describe normal features of PDPs: each plan having its own drug list reflects how plans tailor coverage; costs can vary across plans as a feature of competition; and premiums can change from year to year as plans adjust pricing. None of these capture the personal impact of losing or changing coverage for medications you rely on as clearly as the annual change in plan benefits does.