What enrollment option does Ziegler have as he approaches 65?

As Ziegler approaches 65, he has the opportunity to enroll in a standalone Part D plan or a Medicare Advantage Prescription Drug (MA-PD) plan. This is significant because when individuals turn 65, they enter their Initial Enrollment Period for Medicare, during which they can select from various Medicare options.

Part D plans provide prescription drug coverage, while MA-PD plans combine all the benefits of Medicare Advantage plans with additional coverage for medications. This flexibility allows Ziegler to choose the best option that fits his healthcare needs and preferences during this crucial period. Accessing prescription coverage is especially important as many beneficiaries will need medications as they age, making the ability to enroll in a plan that covers these costs valuable.

The other options are not viable, as they either suggest restrictions on enrollment that do not apply to turning 65 or misrepresent the choices available at this key moment for Medicare beneficiaries.