What may happen when a customer under an employee or union-sponsored health plan decides to enroll in a PDP?

When a customer who is covered under an employee or union-sponsored health plan chooses to enroll in a standalone Prescription Drug Plan (PDP), this can lead to the loss of coverage for both themselves and their dependents. This is largely due to the regulations surrounding Medicare and the coordination of benefits. If the primary plan is a group health plan that provides prescription drug coverage, enrolling in a PDP could disrupt the existing coverage, potentially making the group health plan secondary or even void.

In general, group health plans are designed to work together with other coverage options, and enrolling in an additional stand-alone drug plan can create conflicts regarding coverage. Therefore, it is crucial for beneficiaries to understand their current plan's rules before making a decision to enroll in a PDP, as the consequences may affect their entire family’s healthcare coverage.