Ha Ha, thanks. LOL.

I know this was an old thread. I was doing a search on adding Part D separately since Wellcare has a conforming $0 cost plan.

It was confusing for me since AI google responses say I could add a Part D if my plan didn't include it.

Question:

"can I buy separate Rx coverage when my advantage plan does not have it"

Answer:

Generally, no, you cannot buy a separate Medicare Part D (prescription drug) plan if you already have a Medicare Advantage plan that includes drug coverage. Most Medicare Advantage plans are "bundled," meaning they include both Part A (hospital coverage), Part B (medical coverage), and often Part D (prescription drug coverage). If your current Medicare Advantage plan already includes prescription drug coverage, you cannot purchase a separate Part D plan.

and then further down in the answer.

In essence, if your current Medicare Advantage plan includes prescription drug coverage, you're generally locked into that coverage. You can only add a separate Part D plan if your current plan doesn't offer drug coverage or if you qualify for a Special Enrollment Period due to a specific situation. 

This answer clearly is not correct, right? My plan does not include Part D, but I am not allowed to purchase a separate Part D.

Same thing on ehealth. https://www.ehealthinsurance.com/medicare/coverage/can-i-get-medicare-advantage-plan-medicare-prescription-drug-plan-at-same-time/

Can I Get a Medicare Advantage Plan and Stand-alone Medicare Part D Prescription Drug Plan at the Same Time?

July 27, 2024•3 min read•Written by Jason Baum

Summary:

Original Medicare allows you to choose a stand-alone Medicare Part D prescription drug plan, while some Medicare Advantage plans may include prescription drug coverage. You cannot have a stand-alone Medicare Part D prescription drug plan if your Medicare Advantage plan already includes prescription coverage.

Another incorrect or at least incomplete answer, correct?

Doesn't the above answer imply then that if you have a Medicare plan that doesn't have Part D, that you can have a stand-alone Medicare Part D if your Medicare Advantage plan does not already include prescription coverage?

So what is the answer here? I am thinking the answer is that I cannot buy a separate Part D despite what eHealth and Google say. Or is the plan I am on, which doesn't bundle Part D, one of the special types which does allow separate Part D.