What should Mrs. Roswell do if she can't find a Medicare Part D plan that covers all her medications?

The correct answer represents a key aspect of how Medicare Part D handles situations where beneficiaries transition into new plans. During a transition period, new enrollees typically have the right to receive a temporary supply of their medications even if the specific drugs aren't included in their new Part D plan's formulary. This is designed to ensure that beneficiaries do not experience gaps in their medication usage while they explore their options.

While it's true that not all drugs will be covered under a new plan, the aim of the transition period is to provide immediate access to necessary medications. The concept behind this policy is to support patients during the potentially confusing and stressful transition into a new Part D plan, offering them time to review their medication needs and potentially switch plans if they find that their medications aren't being covered.

In this context, other options lack the same support-oriented approach. Accepting any new medications prescribed or paying entirely out-of-pocket would not address the immediate need for medication continuity. Additionally, the notion that every Part D plan covers a one-month fill isn't entirely accurate, as coverage can vary by plan and the transition rules may not apply universally to all medications or situations. Thus, focusing on the temporary coverage available during a transition period is crucial for ensuring uninterrupted access to necessary medications.