AHIP 2024 FINAL COMPLETE EXAM / QUESTIONS AND VERIFIED ANSWERS BY EXPERTS 2023/2024

Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income.What couldyou tell Mrs. Park that might be of assistance?: ANSW She should contact her state Medicaid agency to see if she qualifies forprograms 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?: ANSW 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 lowestrate 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 disabilitypayments. He is wondering whether he can obtain coverage under Medicare.What should you tell him: ANSW After receiving such disability payments for 24 months,he will be automatically enrolled in Medicare, regardless of age. 3 / 9 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?:ANSW Part A, which covers hospital,skilled nursing facility, hospice and home healthservices and Part B, which covers professional services such as those provided bya doctor are covered under Original Medicare. 5. Mrs.PeHa is 66 years old,has coverage under an employer plan,and will retirenext 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?: ANSW She may enroll at any time while she is covered under her employer plan, butshe 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. 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 MedicareSupplement (Medigap) plan which he has had for several years. However, theplan does not provide drug benefits. How would you advise Agent John Millerto proceed?: ANSW Tell prospectJerry Smith that he should consider adding a standalonePart 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 4 / 9 sign up for PartB when first eligible and 5 / 9 wants to know how much he will have to pay. What should you tell him?: The penalty will be a permanent 10% increase in his Part B premium for every 12-month period that passed during which he could have enrolled and did not. 8. 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. Sheis concerned that her income will make it impossible for her to qualify forMedicare.What could you tell her to address her concern?: 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. 9. Mildred Savage enrolled in Allcare Medicare Advantage plan several yearsago.Mildred recently learned thatshe is suffering from inoperable cancer andhas just a few months to live. She would like to spend these final months in hospice care. Mildred's family asks you whether hospice benefits will be paidfor under the Allcare Medicare Advantage plan.Whatshould you say?: Mildred may remain enrolled in Allcare and make a hospice election. Hospice benefits will be paid for by Original Medicare under Part A and