Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

The correct statement regarding eligibility for Medicare Advantage plans is that eligibility requires having Medicare Part A and Part B. To enroll in a Medicare Advantage plan, individuals must first be enrolled in both Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). This requirement is essential because Medicare Advantage plans essentially serve as an alternative way for beneficiaries to receive their Medicare benefits, bundling both parts into one plan that may also offer additional services.

Other options do not accurately represent the eligibility criteria. For example, while many individuals may have access to enroll in Medicare Advantage plans regardless of their health status, this does not apply to individuals with end-stage renal disease, as they are typically only allowed to enroll in specific plans. Additionally, not all Medicare beneficiaries are automatically enrolled in Medicare Advantage plans; enrollment in these plans is optional and must be chosen. Therefore, having both Medicare Part A and Part B is the fundamental criterion for enrolling in a Medicare Advantage plan.