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AHIP MODULE 1, 2, 3, 4, AND 5 EXAM QUESTIONS AND DETAILED ANSWERS | 100% VERIFIED
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AHIP MODULE 1, 2, 3, 4, AND 5 EXAM QUESTIONS AND DETAILED ANSWERS | 100% VERIFIED
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AHIP MODULE 1, 2, 3, 4, AND 5 EXAMQUESTIONS AND DETAILED ANSWERS |
100% VERIFIED
Mrs. Geisler's neighbor told her she should look at her Part D
options during the annual Medicare enrollment period because
features of Part D might have changed. Mrs. Geisler can't
remember what Part D is so she called you to ask what her
neighbor was talking about. What could you tell her? - ✔✔✔
Correct Answer > c. Part D covers prescription drugs and she
should look at her premiums, formulary, and cost sharing
among other factors to see if they have changed. Correct
Mrs. Paterson is concerned about the deductibles and co-
payments associated with Original Medicare. What can you tell
her about Medigap as an option to address this concern? -
✔✔✔ Correct Answer > a. Medigap plans help beneficiaries
cover coinsurance, co-payments, and/or deductibles for
medically necessary services. Correct
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? - ✔✔✔ Correct Answer > a. 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. Correct
Mr. Kelly has substantial financial means. He enrolled in
Original Medicare and purchased a Medigap policy many years
ago that offered prescription drug coverage. The prescription
drug coverage has not been comparable to that offered by
Medicare Part D for several years and despite notification, Mr.
Kelly took no action. Which of the following statements best
describes what will occur if Mr. Kelly now decides to enroll in
Medicare Part D? - ✔✔✔ Correct Answer > a. He will incur a
late enrollment penalty. Correct
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 >
b. 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. Correct
What impact, if any, will the Medicare Access and CHIP
Reauthorization Act of 2015 (MACRA) have upon Medigap
,plans? - ✔✔✔ Correct Answer > d. The Part B deductible will no
longer be covered for individuals newly eligible for Medicare
starting January 1, 2020. Correct
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 >
d. 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. Correct
Mr. Hernandez is concerned that if he signs up for a Medicare
Advantage plan, the health plan may, at some time in the
future, reduce his benefits below what is available in Original
Medicare. What should you tell him about his concern? - ✔✔✔
Correct Answer > a. Medicare health plans must cover all
benefits available under Medicare Part A and Part B. Many also
cover Part D prescription drugs. Correct
Mrs. Willard wants to know generally how the benefits under
Original Medicare might compare to the benefit package of a
Medicare Health Plan before she starts looking at specific plans.
What could you tell her? - ✔✔✔ Correct Answer > a. Medicare
, Health Plans may offer extra benefits that Original Medicare
does not offer such as vision, hearing, and dental services and
must include a maximum out-of-pocket limit on Part A and Part
B services. Correct
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 > a. In order to obtain Part B coverage, she must pay a
standard monthly premium, though it is higher for individuals
with higher incomes. Correct
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 > b. Mr. Diaz will not pay any penalty
because he had continuous coverage under his employer's plan.
Correct
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
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