What advice should be given to Mrs. Chi regarding her interest in an MA MSA plan?

When considering enrollment in a Medicare Advantage Medical Savings Account (MA MSA) plan, it's crucial to understand how it interacts with other types of coverage, particularly a standalone Part D plan. The key detail about MA MSA plans is that they do not include prescription drug coverage as part of the plan benefits. This means that if Mrs. Chi is interested in an MA MSA and also needs prescription drug coverage, she can maintain her standalone Part D plan while enrolling in the MA MSA.

This option is correct because it emphasizes that Mrs. Chi has the flexibility to retain her existing prescription drug coverage without being forced to drop it when she enrolls in the MA MSA. By keeping her Part D plan, she can ensure that her prescription needs are adequately met while benefiting from the savings account aspect of the MA MSA, which offers a different approach to managing health care costs.

In contrast, if she were to drop the Part D plan (as suggested in one of the other choices), she could potentially leave herself without coverage for necessary medications. Additionally, consulting a financial advisor is always wise, but it's not mandatory for enrollment in an MA MSA, and the age-related restriction mentioned in another option is not applicable, as there are no age limits