If a person is placed into a plan by CMS without prior knowledge, what can they do?

The correct answer is that individuals placed into a plan by the Centers for Medicare & Medicaid Services (CMS) without prior knowledge have the option to change to a different plan within three months of the initiated plan. This provision is designed to protect beneficiaries who may find themselves in a plan they did not select or understand, ensuring they have an opportunity to reevaluate their healthcare coverage.

This three-month period allows beneficiaries to assess their needs and find a plan that better suits their healthcare requirements. It emphasizes the importance of informed choice in the Medicare program, allowing for adjustments shortly after an individual is assigned to a plan. This flexibility is crucial for ensuring that beneficiaries can access the appropriate care and resources that best fit their situation.

Other options reflect constraints that do not align with CMS policies regarding beneficiary enrollment rights, such as mandatory retention of the plan for a year or an outright inability to change plans, which do not provide the necessary support for individuals placed in plans without their knowledge. Filing a complaint with CMS is certainly an avenue for recourse and accountability, but it does not provide an immediate solution to an individual's need for more suitable coverage.