AHIP Final Exam | Questions and Answers Already Passed | Graded A+ | Update.
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Course
Ahip 2024
Institution
Ahip 2024
AHIP Final Exam | Questions and Answers Already Passed | Graded A+ | Update.
Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit, but when he looks at information on various plans available in his area, he sees a wide range in what they charge for deductible...
AHIP Final Exam | Questions and Answers Already
Passed | Graded A+ | 2024-2025 Update.
Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit, but when he looks
at information on various plans available in his area, he sees a wide range in what they charge for
deductibles, premiums and cost sharing. How can you explain this to him? - Correct Answer:
Medicare Part D drug plans may have different benefit structures, but on average, they must all be at least as
good as the standard model established by the government.
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from arthritis through
acupuncture. She is concerned about whether or not Medicare will cover these items and services. What
should you tell her? - Correct Answer:
Medicare does not cover acupuncture, or, in general, glasses or dentures.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the Medicare Part D
Prescription Drug program and he is wondering if there is any other option he has for obtaining help with
his considerable drug costs. What should you tell him? - Correct Answer:
He could check with the manufacturers of his medications to see if they offer an assistance program to help
people with limited means obtain the medications they need. Alternatively, he could check to see whether
his state has a pharmacy assistance program to help him with his expenses.
Since 2004 Ms. Eisenberg has had a Medigap plan that provides some drug coverage. She has received a
letter from her Medigap carrierBinforming her that her drug coverage is not “creditable.” She wants to know
what this means. What should you tell her? - Correct Answer:
Medigap plan does not offer drug coverage that is at least comparable to
The letter is to inform her that the drug coverage offered through her
a Part D plan at a later date.
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you represent. It is one of three
plans operated by the same organization in Mr. Lombardi’s area. The MA PPO plan does not include drug
coverage, but the other two plans do. Mr. Lombardi likes the PPO plan that does not include drug coverage
and intends to obtain his drug
, coverage through a stand-alone Medicare prescription drug plan. What should you tell him about this
situation? - Correct Answer:
He could enroll in one of the MA plans that include prescription drug coverage or a Medigap plan and a
stand-alone prescription drug plan, but he cannot enroll in the MA-only PPO plan and a stand-alone
prescription drug plan.
Mr. Torres has a small savings account. He would like to pay for his monthly Part D premiums with an
automatic monthly withdrawal from his savings account until it is exhausted, and then have his premiums
withheld from his Social Security check. What should you tell him? - Correct Answer:
In general, he must select a single Part D premium payment mechanism that will be used throughout the
year.
Agent Jennings makes a presentation on Medicare advertised as an educational event. Agent Jennings
distributes materials that are solely educational in nature. However, she gives a brief presentation that
mentions plan-specific premiums. Is this a prohibited activity at an event that has been advertised as
educational? - Correct Answer:
Yes. When an event has been advertised as “educational,” discussing plan-specific premiums is
impermissible.
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare prescription drug plan
because, although she is entitled to Part A, she is not enrolled under Medicare Part B. What should you tell
her? - Correct Answer:
Everyone who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare prescription
drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not need to enroll under Part B before
enrolling in a prescription drug plan.
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? - Correct Answer:
Medicare is a program for people age 65 or older and those under age 65 with certain disabilities, end stage
renal disease or Lou Gehrig’s disease, so she will be eligible for Medicare.
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC Health Plan, a Medicare
Advantage (MA) plan that offers plans in multiple states. XYZ Agency maintains a website marketing the MA
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