What concern does Mrs. Allen have regarding coverage for her medications?

Mrs. Allen's concern about not finding a coverage plan that accepts her medications relates to a common issue faced by many individuals navigating Medicare plans. Medicare offers various coverage options, including Part D, which focuses on prescription drug coverage. However, not all plans cover the same medications, and each plan has its own formulary – a list of medications that are covered.

If a medication is not on the formulary of a chosen Part D plan, it may result in higher out-of-pocket costs or, in some cases, not being covered at all. This scenario creates uncertainty for beneficiaries like Mrs. Allen, who rely on specific medications for their health. Therefore, her apprehension about potentially not finding a plan that includes her medications is valid and emphasizes the importance of reviewing plan formularies during enrollment.

Other options mention high-cost drugs, the lack of coverage for any drugs, or the need for referrals, which do not accurately reflect the concerns that beneficiaries typically have regarding access to necessary medications under Medicare coverage.