The _________ are MA plans offered to a society that is limited to only the members of the society.

• A. Employer Group Health Plans
• B. Private Fee-for-Service Plans
• C. Medicare Medical Savings Account Plans
• D. Religious Fraternal Benefit Plans

Answer: (D)

Religious fraternal benefit plans are Medicare Advantage options that are restricted to members of a religious or fraternal society. The key idea is that eligibility is limited to the organization’s members (and sometimes their families), so the plan is offered specifically to that group rather than to the general public. That membership-based model is what distinguishes this type of MA plan from the others.

Employer group health plans, by contrast, are sponsored by an employer for its employees and their dependents, not a private society. Private fee-for-service plans are MA designs that allow enrollment by individuals who choose a plan that pays providers on a fee-for-service basis, without being restricted to a member group. Medicare Medical Savings Account plans are a type of MA plan tied to a savings account, but they aren’t defined by membership in a fraternal society.