AHIP Final Certification Exam 2025/2026 – 250+
Verified Questions & Well-detailed Answers |
Medicare
, Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell
Mrs. Park that might be of assistance? - DETAILED ANSWER-She should contact her state
Medicaid agency to see if she qualifies forprograms that can help with Medicare costs for which
she is responsible.
Madeline Martinez was widowed several years ago. Her husband worked for many years
and contributed into the Medicare system. He also left a substantial estate which provides
Madeline with an annual income of approximately $130,000. Madeline, who has only worked
part-time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare.
She comes to you for advice. What should you tell her? - DETAILED ANSWER-You should
tell Madeline that she will be able to enroll in Medicare Part A without paying monthly
premiums due to her husband's long work record and participation in the Medicare system. You
should also tell Madeline that she will pay Part B premiums at more than the standard lowest rate
but less than the highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the
Social Security Administration and has been receiving disability payments. He is wondering
whether he can obtain coverage under Medicare. What should you tell him - DETAILED
ANSWER-After receiving such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
, 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? - DETAILED ANSWER-
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.
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? - DETAILED ANSWER-She may enroll at any time while she is
covered under her employer plan, but she will have a special eight month enrollment period that
differs from the standard general enrollment period, during which she may enroll in Medicare
Part B.
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? - DETAILED ANSWER-Tell prospect Jerry
Smith that he should consider adding a standalone Part D prescription drug coverage policy to
his present coverage.
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
Verified Questions & Well-detailed Answers |
Medicare
, Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell
Mrs. Park that might be of assistance? - DETAILED ANSWER-She should contact her state
Medicaid agency to see if she qualifies forprograms that can help with Medicare costs for which
she is responsible.
Madeline Martinez was widowed several years ago. Her husband worked for many years
and contributed into the Medicare system. He also left a substantial estate which provides
Madeline with an annual income of approximately $130,000. Madeline, who has only worked
part-time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare.
She comes to you for advice. What should you tell her? - DETAILED ANSWER-You should
tell Madeline that she will be able to enroll in Medicare Part A without paying monthly
premiums due to her husband's long work record and participation in the Medicare system. You
should also tell Madeline that she will pay Part B premiums at more than the standard lowest rate
but less than the highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the
Social Security Administration and has been receiving disability payments. He is wondering
whether he can obtain coverage under Medicare. What should you tell him - DETAILED
ANSWER-After receiving such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
, 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? - DETAILED ANSWER-
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.
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? - DETAILED ANSWER-She may enroll at any time while she is
covered under her employer plan, but she will have a special eight month enrollment period that
differs from the standard general enrollment period, during which she may enroll in Medicare
Part B.
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? - DETAILED ANSWER-Tell prospect Jerry
Smith that he should consider adding a standalone Part D prescription drug coverage policy to
his present coverage.
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
