AHIP ALL MODULES
AHIP ALL MODULES EXAM QUESTIONS AND ANSWERS
GRADED A+ 100% VERIFIED.
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? ANS >> 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? ANS >> 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.
,AHIP ALL MODULES
Juan Perez, who is turning age 65 next month, intends to work for several more
years at small cap, Incorporated. Small cap 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 enrols how that will impact his employer-
sponsored healthcare coverage. How would you respond? ANS >> Juan is likely
to be eligible for Medicare once he turns age 65 and if he enrols Medicare would
become the primary payor of his healthcare claims and small cap 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? ANS >> Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present coverage.
Mrs. Peña is 66 years old, has coverage under an employer plan, and will retire
next year. She heard she must enrol in Part B at the beginning of the year to
ensure no gap in coverage. What can you tell her? ANS >> She may enrol at any
time while she is covered under her employer plan, but she will have a special
eight-month enrolment period after the last month on her employer plan that
differs from the standard general enrolment period, during which she may enrol 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?
ANS >> 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.
, AHIP ALL MODULES
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? ANS >> 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.
Mr. Buck has several family members who died from different cancers. He wants
to know if Medicare covers cancer screening. What should you tell him? ANS >>
Medicare covers the periodic performance of a range of screening tests that are
meant to provide early detection of disease. Mr. Buck will need to check specific
tests before obtaining them to see if they will be covered.
Mrs. Duarte is enrolled in Original Medicare Parts A and B. She has recently
reviewed her Medicare Summary Notice (MSN) and disagrees with a
determination that partially denied one of her claims for services. What advice
would you give her? ANS >> Mrs. Duarte should file an appeal of this initial
determination within 120 days of the date she received the MSN in the mail.
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? ANS >> Mrs. Gonzalez cannot purchase a Medigap plan that
covers drugs, but she could keep her Medigap policy and enrol in a Part D
prescription drug plan.
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.
AHIP ALL MODULES EXAM QUESTIONS AND ANSWERS
GRADED A+ 100% VERIFIED.
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? ANS >> 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? ANS >> 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.
,AHIP ALL MODULES
Juan Perez, who is turning age 65 next month, intends to work for several more
years at small cap, Incorporated. Small cap 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 enrols how that will impact his employer-
sponsored healthcare coverage. How would you respond? ANS >> Juan is likely
to be eligible for Medicare once he turns age 65 and if he enrols Medicare would
become the primary payor of his healthcare claims and small cap 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? ANS >> Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present coverage.
Mrs. Peña is 66 years old, has coverage under an employer plan, and will retire
next year. She heard she must enrol in Part B at the beginning of the year to
ensure no gap in coverage. What can you tell her? ANS >> She may enrol at any
time while she is covered under her employer plan, but she will have a special
eight-month enrolment period after the last month on her employer plan that
differs from the standard general enrolment period, during which she may enrol 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?
ANS >> 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.
, AHIP ALL MODULES
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? ANS >> 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.
Mr. Buck has several family members who died from different cancers. He wants
to know if Medicare covers cancer screening. What should you tell him? ANS >>
Medicare covers the periodic performance of a range of screening tests that are
meant to provide early detection of disease. Mr. Buck will need to check specific
tests before obtaining them to see if they will be covered.
Mrs. Duarte is enrolled in Original Medicare Parts A and B. She has recently
reviewed her Medicare Summary Notice (MSN) and disagrees with a
determination that partially denied one of her claims for services. What advice
would you give her? ANS >> Mrs. Duarte should file an appeal of this initial
determination within 120 days of the date she received the MSN in the mail.
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? ANS >> Mrs. Gonzalez cannot purchase a Medigap plan that
covers drugs, but she could keep her Medigap policy and enrol in a Part D
prescription drug plan.
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.
