AHIP 2024 Final Exam
Questions and Answers (Verified Answers)
1. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What
could you tell Mrs. Park that might be of assistance
ANS She should contact her state Medicaid agency to see if she
qualifies for programs that can help with Medicare costs for which she is
responsible.
2. Madeline Martinez was widowed several years ago. Her husband worked
for many years and contributed into the Medicare system. He also left a
substan- tial 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
ANS 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
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,lowest rate but less than the highest rate due her substantial income.
3. Mr. Bauer is 49 years old, but eighteen months ago he was declared dis-
abled 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:
ANS After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
4. 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
ANS 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.
5.Mrs. PeHa 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
ANS She may enroll at any time while she is covered under her employe
plan, but she will have a special eight month enrollment period that
differs from the standard general enrollment period, during which she
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, may enroll in Medicare Part B.
6. Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is
cur- rently 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.
7. 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
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Questions and Answers (Verified Answers)
1. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What
could you tell Mrs. Park that might be of assistance
ANS She should contact her state Medicaid agency to see if she
qualifies for programs that can help with Medicare costs for which she is
responsible.
2. Madeline Martinez was widowed several years ago. Her husband worked
for many years and contributed into the Medicare system. He also left a
substan- tial 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
ANS 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
1/9
,lowest rate but less than the highest rate due her substantial income.
3. Mr. Bauer is 49 years old, but eighteen months ago he was declared dis-
abled 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:
ANS After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
4. 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
ANS 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.
5.Mrs. PeHa 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
ANS She may enroll at any time while she is covered under her employe
plan, but she will have a special eight month enrollment period that
differs from the standard general enrollment period, during which she
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, may enroll in Medicare Part B.
6. Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is
cur- rently 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.
7. 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
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