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AHIP 2024 final exam 100% VERIFIED ANSWERS 2023/2024 GUARANTEED PASS
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AHIP 2024 final exam 100% VERIFIED ANSWERS 2023/2024 GUARANTEED PASS Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that might be of assistance? She should contact her state Medicaid agency to see if she qualifies forprograms that can help with Medicare costs for which she is responsible. Madeline Martinez was widowed several years ago. Her husband worked for many years and contributed into the Med icare system. He also left a substantial estate which provides Madeline with an annual income of approximately $130,000. Madeline, who has only worked part -time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. She c omes to you for advice. What should you tell her? You should tell Madeline that she will be able to enroll in Medicare Part A without paying monthly premiums due to her husband's long work record and participation in the Medicare system. You should also te ll Madeline that she will pay Part B premiums at more than the standard lowest rate but less than the highest rate due her substantial income. Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social Security Administration and has been receiving disability payments. He is wondering whether he can obtain coverage under Medicare. What should you tell him After receiving such disability payments for 24 months, he will be automatically enrolled in Medicare, regardless of age. Mr. Schmidt would like to plan for retirement and has asked you what is covered under Original Fee -for-Service (FFS) Medicare? What could you tell him? Part A, which covers hospital, skilled nursing facility, hospice and home health services and Part B, whi ch covers professional services such as those provided by a doctor are covered under Original Medicare. Mrs. Peňa is 66 years old, has coverage under an employer plan, and will retire next year. She heard she must enroll in Part B at the beginning of the y ear to ensure no gap in coverage. What can you tell her? She may enroll at any time while she is covered under her employer plan, but she will have a special eight month enrollment period that differs from the standard general enrollment period, during whi ch she may enroll in Medicare Part B. Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in Medicare Parts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan which he has had for several years. Ho wever, the plan does not provide drug benefits. How would you advise Agent John Miller to proceed? Tell prospect Jerry Smith that he should consider adding a standalone Part D prescription drug coverage policy to his present coverage. Mr. Diaz continued wo rking with his company and was insured under his employer's group plan until he reached age 68. He has heard that there is a premium penalty for those who did not sign up for Part B when first eligible and wants to know how much he will have to pay. What s hould you tell him? The penalty will be a permanent 10% increase in his Part B premium for every 12 -month period that passed during which he could have enrolled and did not. Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent health and will have considerable income when she retires. She is concerned that her income will make it impossible for her to qualify for Medicare. What could you tell her to address her concern? Medicare is a program for people age 65 or older and those u nder age 65 with certain disabilities, end -stage renal disease, and Lou Gehrig's disease so she will be eligible for Medicare. Mildred Savage enrolled in Allcare Medicare Advantage plan several years ago. Mildred recently learned that she is suffering from inoperable cancer and has just a few months to live. She would like to spend these final months in hospice care. Mildred's family asks you whether hospice benefits will be paid for under the Allcare Medicare Advantage plan. What should you say? Mildred ma y remain enrolled in Allcare and make a hospice election. Hospice benefits will be paid for by Original Medicare under Part A and Allcare will continue to pay for any non -hospice services. Mr. Gomez notes that a Private Fee -for-Service (PFFS) plan availabl e in his area has an attractive premium. He wants to know if he must use doctors in a network as his current HMO plan requires him to do. What should you tell him? He may receive health care services from any doctor allowed to bill Medicare, as long as he shows the doctor the plan's identification card and the doctor agrees to accept the PFFS plan's payment terms and conditions, which could include balance billing. Mr. Kelly wants to know whether he is eligible to sign up for a Private fee -for-
service (PFFS ) plan. What questions would you need to ask to determine his eligibility? You would need to ask Mr. Kelly if he is enrolled in Part A and Part B and if he lives in the PFFS plan's service area. Mrs. Wang wants to know generally how the benefits under Orig inal Medicare might compare to the benefits package of a Medicare Advantage Plan before she starts looking at specific plans. What could you tell her? Medicare Advantage Plans may offer extra benefits that Original Medicare does not offer such as vision, h earing, and dental services. It must include a maximum out -of-
pocket limit on Part A and Part B services. Mr. Castillo, a naturalized citizen, previously enrolled in Medicare Part B but has recently stopped paying his Part B premium. Mr. Castillo is still covered by Part A. He would like to enroll in a Medicare Advantage (MA) plan and is still covered by Part A. What should you tell him? He is not eligible to enroll in a Medicare Advantage plan until he re -enrolls in Medicare Part B. Mr. Barker enjoys a com fortable retirement income. He recently had surgery and expected that he would have certain services and items covered by the plan with minimal out -of-pocket costs because his MA -PD coverage has been very good. However, when he received the bill, he was su rprised to see large charges in excess of his maximum out -of-pocket limit that included some services and items he thought would be fully covered. He called you to ask what he could do? What could you tell him? You can offer to review the plans appeal proc ess to help him ask the plan to review the coverage decision. Mrs. Chi is age 75 and enjoys a comfortable but not extremely high -income level. She wishes to enroll in a MA MSA plan that she heard about from her neighbor. She also wants to have prescription drug coverage since her doctor recently prescribed several expensive medications. Currently, she is enrolled in Original Medicare and a standalone Part D plan. How would you advise Mrs. Chi?
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