1. 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 under age 65 with
certain disabilities, end-stage renal disease, and Lou Gehrig’s disease so she will
be eligible for Medicare.
2. Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been
employed full time, and paid taxes during that entire period. She is concerned that
she will not qualify for coverage under part A because she was not born in the
United States. What should you tell her?
Most individuals who are citizens and age 65 or over are covered under Part A by
virtue of having paid Medicare taxes while working, though some may be covered
as a result of paying monthly premiums.
3. Mr. Patel is in good health and is preparing a budget in anticipation of his
retirement when he turns 66. He wants to understand the health care costs he
might be exposed to under Medicare if he were to require hospitalization as a result
of an illness. In general terms, what could you tell him about his costs for inpatient
hospital services under Original Medicare?
,AHIP MODULE 1-5 EXAM 2024/2025
Under Original Medicare, there is a single deductible amount due for the
first 60 days of any inpatient hospital stay, after which it converts into a per-day
coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 days over his lifetime, after
which he would be responsible for all costs.
4. 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 for one
of several programs that can help with Medicare costs for which she is responsible.
5. 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, which covers professional services such as those
provided by a doctor are covered under Original Medicare.
6. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through massage therapy. She is concerned about whether or
not Medicare will -cover these items and services. What should you tell her?
Medicare does not cover massage therapy, or, in general, glasses or dentures.
7. Mr. Alonso receives some help paying for his two generic prescription drugs
from his employer’s retiree coverage, but he wants to compare it to a Part D
prescription drug plan. He asks you what costs he would generally expect to
encounter when enrolling into a standard Medicare Part D prescription drug plan.
What should you tell him?
, AHIP MODULE 1-5 EXAM 2024/2025
He generally would pay a monthly premium, annual deductible, and per-
prescription cost- sharing.
8. Mrs. Peña 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?
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.
9. Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as
well, but it provides no drug coverage. She would like to keep the coverage she has
but replace her existing Medigap plan with one that provides drug coverage. What
should you tell her?
Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she
could keep her Medigap policy and enroll in a Part D prescription drug plan.
10. 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?
He may sign-up for Medicare at any time however coverage usually begins
on the fourth month after dialysis treatments start.
11. 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?
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