When can Ms. Gardner disenroll from her MA-PD plan to enroll in a Part D only plan?

The correct choice indicates that Ms. Gardner can disenroll from her Medicare Advantage Plan with Prescription Drug coverage (MA-PD) and enroll in a stand-alone Medicare Part D plan during the Annual Election Period or the MA Open Enrollment Period.

During these designated periods, beneficiaries can make changes to their Medicare coverage without restriction. The Annual Election Period typically occurs from October 15 to December 7 each year. Additionally, the MA Open Enrollment Period, which runs from January 1 to March 31, allows individuals enrolled in a Medicare Advantage plan to make changes, including switching to a Part D plan.

This structure is in place to ensure that beneficiaries have specific times when they can assess and modify their coverage. The other options either do not align with the regulations regarding disenrollment from an MA-PD plan or imply flexibility that Medicare rules typically do not allow. For instance, enrollments outside these specified windows can generally occur only due to qualifying life events, making this option less applicable for the regular disenrollment process.