Which statement is not guaranteed when advising a consumer about switching plans?

Which statement is not guaranteed when advising a consumer about switching plans?

• A. The new plan will have the same provider network
• B. The medications on the formulary will be identical
• C. The new plan will offer the same benefits as the current plan
• D. The new plan could have different features and costs

Answer: (D)

When advising about switching plans, you can’t assume sameness across plans. Each plan is designed independently, so the new plan you’re considering could have a different provider network, different formulary coverage, and a different benefit structure than your current plan. That means you should not promise or rely on the idea that all aspects will stay the same after switching. The statement that best reflects reality is that the new plan could have different features and costs, which is a reminder to compare the specific details of the new plan—network access, drug coverage, benefits, premiums, deductibles, and out-of-pocket costs—before making a switch.

When advising about switching plans, you can’t assume sameness across plans. Each plan is designed independently, so the new plan you’re considering could have a different provider network, different formulary coverage, and a different benefit structure than your current plan. That means you should not promise or rely on the idea that all aspects will stay the same after switching. The statement that best reflects reality is that the new plan could have different features and costs, which is a reminder to compare the specific details of the new plan—network access, drug coverage, benefits, premiums, deductibles, and out-of-pocket costs—before making a switch.