What is one reason Mr. Ford can make changes during AEP without restrictions?

The correct answer highlights the importance of the Annual Election Period (AEP) in the Medicare program. During this designated period, beneficiaries like Mr. Ford are allowed to make changes to their Medicare coverage without facing restrictions. This includes switching from one Medicare Advantage plan to another, changing from a Medicare Advantage plan to Original Medicare, or altering their prescription drug coverage. The AEP is specifically established to give beneficiaries the opportunity to evaluate their health needs and possibly select a plan that better fits those needs for the upcoming year.

In this context, being new to Medicare, enrolling in a low-cost plan, or deciding among multiple plans does not inherently grant the same flexibility or privileges as the AEP. The structured timeline of the AEP is the key factor that enables Mr. Ford to make these changes freely during that specific time frame. This ensures that all beneficiaries have equal opportunities to review and adjust their healthcare plans annually based on their evolving needs.