AHIP Final Exam Test Questions
Agent Armstrong is hired with the aid of XYZ Agency, that's under contract with ABC Health
Plan, a Medicare Advantage (MA) plan that gives plans in multiple states. XYZ Agency keeps a
internet site advertising and marketing the MA plans with which it has contracts. Agent
Armstrong follows up with those who request greater facts approximately ABC MA plans
through the website and tries to persuade them to join ABC plans. What assertion high-quality
describes the advertising and compliance rules that apply to Agent Armstrong? - ANS-Agent
Armstrong desires to be licensed and appointed in each kingdom in which beneficiaries to
whom he markets ABC MA plans are placed.
Agent Jennings makes a presentation on Medicare advertised as an academic event. Agent
Jennings distributes materials which might be entirely instructional in nature. However, she
offers a short presentation that mentions plan-precise premiums. Is this a prohibited hobby at an
event that has been marketed as educational? - ANS-Yes. When an occasion has been
advertised as "educational," discussing plan-particular premiums is impermissible.
Agent Martinez wishes to solicit Medicare Advantage potentialities through e-mail and asks you
for advice as to whether this is feasible. What must you tell her? - ANS-Marketing
representatives may additionally provoke electronic contact through email but the situation line
should say "advertising" and an decide-out procedure ought to be furnished.
Alice is enrolled in a MA-PD plan. She makes a permanent move across the usa and wonders
what her alternatives are for continuing MA-PD coverage. What would you assert to her in
regard to a unique enrollment duration (SEP)? - ANS-She is in all likelihood to qualify for a SEP.
She can select an effective date of up to a few months after the month in which the enrollment
shape is received by the brand new plan, but the effective date won't be in advance than the
date of her permanent pass.
Another agent operating in your company claims that due to the fact you aren't employed via the
Medicare Advantage plans that you constitute, you are not concern to the same requirements
as the plans themselves. How should you respond to the sort of assertion? - ANS-Your
coworker is not accurate. Marketing on behalf of a plan is taken into consideration advertising
by the plan and requires that all contracted and hired dealers comply with all Medicare
advertising guidelines.
During a income presentation, your patron asks you whether or not the Medicare company
recommends that she sign on in your plan or live in Original Medicare. What need to you inform
her? - ANS-Tell her that the Medicare employer does now not endorse or advocate any plan.
, Mr. And Mrs. Nunez attended one among your income displays. They've requested you to come
to their domestic to resolve some questions. During the presentation, Mrs. Nunez feels tired and
tells you that her husband can end matters up. She is going to bed. At the quit of your dialogue,
Mr. Nunez says that he desires to enroll each himself and his wife. What should you do? -
ANS-As lengthy as she is capable of achieve this, simplest Mrs. Nunez can signal her
enrollment form. Mrs. Nunez will must wake up to signal her form or accomplish that at all over
again.
Mr. Barker enjoys a snug retirement income. He recently had surgical treatment and anticipated
that he would have certain services and gadgets included with the aid of the plan with minimum
out-of-pocket costs because his MA-PD insurance has been very good. However, when he
obtained the bill, he turned into amazed to peer large charges in extra of his most out-of-pocket
restriction that protected a number of offerings and gadgets he concept might be completely
protected. He called you to invite what he ought to do? What ought to you inform him? -
ANS-You can offer to review the plans enchantment system to help him ask the plan to check
the insurance selection.
Mr. Bickford did now not pretty qualify for the more assist low-profits subsidy beneath the
Medicare Part D Prescription Drug program and he is questioning if there's any other choice he
has for acquiring help together with his widespread drug costs. What should you tell him? -
ANS-He could test with the manufacturers of his medications to peer if they provide an
assistance program to assist humans with limited approach obtain the medicinal drugs they
want. Alternatively, he ought to take a look at to peer whether or not his country has a pharmacy
help program to help him along with his prices.
Mr. Castillo, a naturalized citizen, previously enrolled in Medicare Part B but has these days
stopped paying his Part B top rate. Mr. Castillo is still protected by way of Part A. He would like
to sign up for a Medicare Advantage (MA) plan and continues to be blanketed by means of Part
A. What ought to you tell him? - ANS-He is not eligible to join a Medicare Advantage plan till he
re-enrolls in Medicare Part B.
Mr. Chen has heard about Medical Savings Account (MSA), however wants to recognise if it is
just about saving cash, or if he will get insurance insurance for his health care fees as nicely.
What need to you tell him? - ANS-Under the Medicare Advantage software. An MSA plan
entails the mixture of high deductible health plan and financial savings account for fitness
expenses. Medicare will contribute to this savings account to help him pay his fitness care fees
even as within the deductible.
Mr. Chen is enrolled in his company's institution health plan and may be retiring soon. He would
really like to recognize his options due to the fact that he has determined to drop his retiree
coverage and is eligible for Medicare. What should you tell him? - ANS-Mr. Chen can disenroll
from his enterprise-backed coverage to decide on a Medicare Advantage or Part D plan inside 2
months of his disenrollment, however he must revaluate if he without a doubt wants to drop his
organisation coverage.
Agent Armstrong is hired with the aid of XYZ Agency, that's under contract with ABC Health
Plan, a Medicare Advantage (MA) plan that gives plans in multiple states. XYZ Agency keeps a
internet site advertising and marketing the MA plans with which it has contracts. Agent
Armstrong follows up with those who request greater facts approximately ABC MA plans
through the website and tries to persuade them to join ABC plans. What assertion high-quality
describes the advertising and compliance rules that apply to Agent Armstrong? - ANS-Agent
Armstrong desires to be licensed and appointed in each kingdom in which beneficiaries to
whom he markets ABC MA plans are placed.
Agent Jennings makes a presentation on Medicare advertised as an academic event. Agent
Jennings distributes materials which might be entirely instructional in nature. However, she
offers a short presentation that mentions plan-precise premiums. Is this a prohibited hobby at an
event that has been marketed as educational? - ANS-Yes. When an occasion has been
advertised as "educational," discussing plan-particular premiums is impermissible.
Agent Martinez wishes to solicit Medicare Advantage potentialities through e-mail and asks you
for advice as to whether this is feasible. What must you tell her? - ANS-Marketing
representatives may additionally provoke electronic contact through email but the situation line
should say "advertising" and an decide-out procedure ought to be furnished.
Alice is enrolled in a MA-PD plan. She makes a permanent move across the usa and wonders
what her alternatives are for continuing MA-PD coverage. What would you assert to her in
regard to a unique enrollment duration (SEP)? - ANS-She is in all likelihood to qualify for a SEP.
She can select an effective date of up to a few months after the month in which the enrollment
shape is received by the brand new plan, but the effective date won't be in advance than the
date of her permanent pass.
Another agent operating in your company claims that due to the fact you aren't employed via the
Medicare Advantage plans that you constitute, you are not concern to the same requirements
as the plans themselves. How should you respond to the sort of assertion? - ANS-Your
coworker is not accurate. Marketing on behalf of a plan is taken into consideration advertising
by the plan and requires that all contracted and hired dealers comply with all Medicare
advertising guidelines.
During a income presentation, your patron asks you whether or not the Medicare company
recommends that she sign on in your plan or live in Original Medicare. What need to you inform
her? - ANS-Tell her that the Medicare employer does now not endorse or advocate any plan.
, Mr. And Mrs. Nunez attended one among your income displays. They've requested you to come
to their domestic to resolve some questions. During the presentation, Mrs. Nunez feels tired and
tells you that her husband can end matters up. She is going to bed. At the quit of your dialogue,
Mr. Nunez says that he desires to enroll each himself and his wife. What should you do? -
ANS-As lengthy as she is capable of achieve this, simplest Mrs. Nunez can signal her
enrollment form. Mrs. Nunez will must wake up to signal her form or accomplish that at all over
again.
Mr. Barker enjoys a snug retirement income. He recently had surgical treatment and anticipated
that he would have certain services and gadgets included with the aid of the plan with minimum
out-of-pocket costs because his MA-PD insurance has been very good. However, when he
obtained the bill, he turned into amazed to peer large charges in extra of his most out-of-pocket
restriction that protected a number of offerings and gadgets he concept might be completely
protected. He called you to invite what he ought to do? What ought to you inform him? -
ANS-You can offer to review the plans enchantment system to help him ask the plan to check
the insurance selection.
Mr. Bickford did now not pretty qualify for the more assist low-profits subsidy beneath the
Medicare Part D Prescription Drug program and he is questioning if there's any other choice he
has for acquiring help together with his widespread drug costs. What should you tell him? -
ANS-He could test with the manufacturers of his medications to peer if they provide an
assistance program to assist humans with limited approach obtain the medicinal drugs they
want. Alternatively, he ought to take a look at to peer whether or not his country has a pharmacy
help program to help him along with his prices.
Mr. Castillo, a naturalized citizen, previously enrolled in Medicare Part B but has these days
stopped paying his Part B top rate. Mr. Castillo is still protected by way of Part A. He would like
to sign up for a Medicare Advantage (MA) plan and continues to be blanketed by means of Part
A. What ought to you tell him? - ANS-He is not eligible to join a Medicare Advantage plan till he
re-enrolls in Medicare Part B.
Mr. Chen has heard about Medical Savings Account (MSA), however wants to recognise if it is
just about saving cash, or if he will get insurance insurance for his health care fees as nicely.
What need to you tell him? - ANS-Under the Medicare Advantage software. An MSA plan
entails the mixture of high deductible health plan and financial savings account for fitness
expenses. Medicare will contribute to this savings account to help him pay his fitness care fees
even as within the deductible.
Mr. Chen is enrolled in his company's institution health plan and may be retiring soon. He would
really like to recognize his options due to the fact that he has determined to drop his retiree
coverage and is eligible for Medicare. What should you tell him? - ANS-Mr. Chen can disenroll
from his enterprise-backed coverage to decide on a Medicare Advantage or Part D plan inside 2
months of his disenrollment, however he must revaluate if he without a doubt wants to drop his
organisation coverage.
