Prior to enrolling in a Medicare MSA plan, what should Mrs. Lyons know?

When considering a Medicare MSA (Medical Savings Account) plan, it's essential for Mrs. Lyons to understand that these plans provide coverage for both Medicare Part A and Part B benefits. This means that while the MSA primarily operates as a high-deductible health plan combined with a medical savings account, beneficiaries can still access hospital insurance through Part A and medical insurance through Part B.

Understanding this coverage is crucial because it helps Mrs. Lyons see how the MSA will assist with a broad range of healthcare needs. It also clarifies that the MSA's design allows for flexibility in using funds for various medical expenses while adhering to the structure dictated by Part A and Part B coverage.

Other options may present misleading information: not all MSA plans include Part D prescription drug coverage, and while MSAs are characterized by high deductibles, it's not a uniform feature across all plans. Additionally, stating that MSAs only cover preventive services does not reflect the full scope of the benefits provided under Part A and Part B. Hence, knowing that MSAs cover both these parts is fundamental for making informed decisions about healthcare coverage.