AHIP Final Exam LATEST VERSION // QUESTIONS AND ANSWERS GRADED
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AHIP
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AHIP
AHIP Final Exam LATEST VERSION
// QUESTIONS AND ANSWERS
GRADED A
Mr. Wu is eligible for Medicare. He has limited financial resources but
failed to qualify for the Part D low-income subsidy. Where might he turn
for help with his prescription drug costs? - CORRECT ANSWER Mr. Wu
may still q...
AHIP Final Exam LATEST VERSION
/2023-2023/ QUESTIONS AND ANSWERS
GRADED A
Mr. Wu is eligible for Medicare. He has limited financial resources but
failed to qualify for the Part D low-income subsidy. Where might he turn
for help with his prescription drug costs? - CORRECT ANSWER Mr. Wu
may still qualify for help in paying Part D costs through his State
Pharmaceutical Assistance Program.
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? - CORRECT ANSWER After
receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
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? - CORRECT ANSWER Mildred
may 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. 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? - CORRECT ANSWER Part A, which covers hospital, skilled
nursing facility, hospice, and home health services and Part B, which
covers professional services such as those provided by a doctor are
covered under Original Medicare.
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. However, the plan does not provide drug benefits. How would
you advise Agent John Miller to proceed? - CORRECT ANSWER Tell
prospect Jerry Smith that he should consider adding a standalone Part D
prescription drug coverage policy to his present coverage.
Mr. Davis is 52 years old and has recently been diagnosed with end-
stage renal disease (ESRD) and will soon begin dialysis. He is wondering
if he can obtain coverage under Medicare. What should you tell him? -
CORRECT ANSWER He may sign-up for Medicare at any time however
coverage usually begins on the fourth month after dialysis treatments
start.
Mr. Diaz continued working 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 should you tell him? - CORRECT ANSWER Mr. Diaz will not pay
,any penalty because he had continuous coverage under his employer's
plan.
Madeline Martinez was widowed several years ago. Her husband
worked for many years and contributed into the Medicare 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 comes to you for advice. What should
you tell her? - CORRECT ANSWER 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 tell 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.
Edward IP suffered from serious kidney disease. As a result. Edward
became eligible for Medicare coverage due to end-stage renal disease
(ESRD). A close relative donated their kidney and Edward successfully
underwent transplant surgery 12 months ago. Edward is now age 50
and asks you if his Medicare coverage will continue, what should you
say? - CORRECT ANSWER Individuals eligible for Medicare based on
ESRD generally lose eligibility 36 months after the month in which the
individual receives a kidney transplant unless they are eligible for
Medicare on another basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for coverage of
immunosuppressive drugs if he has no other health care coverage that
would cover the drugs.
, 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 year to ensure no gap in coverage. What can you tell her? -
CORRECT ANSWER She may enroll at any time while she is covered
under her employer plan, but she will have a special eight-month
enrollment period after the last month on her employer plan that
differs from the standard general enrollment period, during which she
may enroll in Medicare Part B.
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan
and a Medigap plan to pick up costs not covered by that plan. What
should you tell him? - CORRECT ANSWER It is illegal for you to sell Mr.
Capadona a Medigap plan if he is enrolled in an MA plan, and besides,
Medigap only works with Original Medicare.
Ms. Henderson believes that she will qualify for Medicare Coverage
when she turns 65, without paying any premiums, because she has
been working for 40 years and paying Medicare taxes. What should you
tell her? - CORRECT ANSWER To obtain Part B coverage, she must pay
a standard monthly premium, though it is higher for individuals with
higher incomes.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What
could you tell Mrs. Park that might be of assistance? - CORRECT
ANSWER She should contact her state Medicaid agency to see if she
qualifies for one of several programs that can help with Medicare costs
for which she is responsible.
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