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AHIP Module 1 Questions And Answers 2022 Complete Test
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AHIP Module 1 Questions And Answers 2022 Complete Test
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AHIP Module 1 Questions And AnswersMs. 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? - To obtain Part B coverage, she must pay a standard monthly premium, though
it is higher for individuals with higher incomes.
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? - 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.
Juan Perez, who is turning age 65 next month, intends to work for several more years at Smallcap,
Incorporated. Smallcap has a workforce of 15 employees and offers employer-sponsored healthcare
coverage. Juan is a naturalized citizen and has contributed to the Medicare system for over 20 years.
Juan asks you if he will be entitled to Medicare and if he enrolls how that will impact his employer-
sponsored healthcare coverage. How would you respond? - Juan is likely to be eligible for Medicare
once he turns age 65 and if he enrolls Medicare would become the primary payor of his healthcare
claims and Smallcap does not have to continue to offer him coverage comparable to those under age
65 under its employer-sponsored group health plan.
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? - Tell prospect Jerry Smith that he should consider adding a standalone Part
D prescription drug coverage policy to his present coverage.
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? - 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? - 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. 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.
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