True or False: Individuals who have both Medicare Part B and Part D must pay a monthly premium.

Individuals who have both Medicare Part B and Part D are indeed required to pay a monthly premium for each of these parts of Medicare. Medicare Part B typically covers outpatient services and requires a standard premium that beneficiaries must pay, based on income levels. Meanwhile, Medicare Part D is a prescription drug coverage program that also has its own monthly premium.

It's important to note that while there can be income-based adjustments to the premiums for both Part B and Part D, the fundamental requirement remains that beneficiaries must pay monthly premiums for both parts if they choose to enroll in them. This reflects the structure of Medicare as a program that helps cover healthcare costs, but does involve some cost-sharing for beneficiaries in the form of premiums.