,2020 AHIP EXAM QUESTIONS AND
ANSWERS 100% CORRECT AND
UPDATED!
Mrs. Chou likes a PFFS plan available in her area that does not offer drug coverage.
She wants to enroll in the plan and enroll in a stand-alone prescription drug plan. What
should you tell her? - ANSWERShe could enroll in a PFFS plan and a stand-alone
Medicare prescription drug plan.
Mrs. Geisler's neighbor told her she should look at her Part D options during the annual
Medicare enrollment period because features of Part D might have changed. Mrs.
Geisler can't remember what Part D is so she called you to ask what her neighbor was
talking about. What could you tell her? - ANSWERPart D covers prescription drugs and
she should look at her premiums, formulary and cost-sharing among other factors to
see if they have changed.
Mr. Moreno invited his neighbor, Agent Tom Smith, to discuss Medicare Advantage
(MA) and Part D plans that Agent Smith sells at the regular Tuesday brunch the
neighbors have for senior citizens. What should Agent Smith tell Mr. Moreno about the
kinds of food that can be provided to potential enrollees who attend the sales
presentation? - ANSWERA meal cannot be provided, but light snacks would be
permitted.
Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be
hospitalized. What should you tell Mr. Rainey (or his representative) about the length of
an inpatient psychiatric hospital stay that Medicare will cover? - ANSWERMedicare will
cover a total of 190 days of inpatient psychiatric care during Mr. Rainey's entire lifetime.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the
Medicare Part D Prescription Drug program and he is wondering if there is any other
option he has for obtaining help with his considerable drug costs. What should you tell
him? - ANSWERHe could check with the manufacturers of his medications to see if they
offer an assistance program to help people with limited means to obtain the medications
they need. Alternately, he could check to see whether his state has a pharmacy
assistance program to help him with expenses.
, Mr. Wong is a single individual. He has a successful business career and is now able to
retire with a comfortable income. Mr. Wong's taxable income is in excess of $80,000.
Mr. Wong has health coverage through his employer but will sign-up for Medicare Part
A, Part B and Part D when he leaves the workforce. How would you advise him as he
budgets for Medicare premiums? - ANSWERDue to his participation in the workforce he
will not have to pay a premium for Part A but he will pay higher premiums for Part B and
Part D due to the amount of his income.
By contacting plans available in your area, you have learned that the plan you represent
has a significantly lower monthly premium than the others. Furthermore, you see that
the plan you represent has a unique benefit package. What should you do to make sure
your clients know about these pieces of information? - ANSWERYou may make
comparisons between plans if you can support them by studies or statistical data and
such comparisons are factually based.
Mrs. Fields wants to know whether applying for the Part D low income subsidy will be
worth the time to fill out the paperwork. What could you tell her? - ANSWERThe Part D
low income subsidy could substantially lower her overall costs. She can apply by
contacting her state Medicaid office or calling the Social Security Administration.
Mr. Decaro has looked a Medicare prescription drug plans available in his area and
noted a wide range in premiums. He thought that all drug plans were required to offer
the same standard benefits and would like you to explain why there is such a range in
premiums. What should you tell him? - ANSWERSome prescription drug plans may
have higher operating costs and/or may offer enhanced coverage in return for an
additional premium amount. He could look at plan designs to see if one of the enhanced
plans would serve his needs better than a plan based on the standard design.
Mrs. Wellington is enrolled in Parts A and B of Original Medicare. A friend recently told
her that there is an excellent Medicare Advantage (MA) plan with a five-star rating
serving her area. On January 5 she comes to you for advise as to what options, if any,
she has. What should you say regarding special enrollment periods (SEPs)? -
ANSWERMrs. Wellington is eligible for a SEP that may be used once until November
30 to enroll in the five-star plan.
During an appointment scheduled to discuss a Medicare Advantage Prescription Drug
plan (MA-PD), Mr. Peters asked his agent to describe a stand-alone prescription drug
plan (Part D plan) that his neighbor told him about. What should his agent do? -
ANSWERSince Mr. Peters requested a description of the Part D plan, his agent must
have Mr. Peters sign a new scope of appointment form that includes Part D, and then
ANSWERS 100% CORRECT AND
UPDATED!
Mrs. Chou likes a PFFS plan available in her area that does not offer drug coverage.
She wants to enroll in the plan and enroll in a stand-alone prescription drug plan. What
should you tell her? - ANSWERShe could enroll in a PFFS plan and a stand-alone
Medicare prescription drug plan.
Mrs. Geisler's neighbor told her she should look at her Part D options during the annual
Medicare enrollment period because features of Part D might have changed. Mrs.
Geisler can't remember what Part D is so she called you to ask what her neighbor was
talking about. What could you tell her? - ANSWERPart D covers prescription drugs and
she should look at her premiums, formulary and cost-sharing among other factors to
see if they have changed.
Mr. Moreno invited his neighbor, Agent Tom Smith, to discuss Medicare Advantage
(MA) and Part D plans that Agent Smith sells at the regular Tuesday brunch the
neighbors have for senior citizens. What should Agent Smith tell Mr. Moreno about the
kinds of food that can be provided to potential enrollees who attend the sales
presentation? - ANSWERA meal cannot be provided, but light snacks would be
permitted.
Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be
hospitalized. What should you tell Mr. Rainey (or his representative) about the length of
an inpatient psychiatric hospital stay that Medicare will cover? - ANSWERMedicare will
cover a total of 190 days of inpatient psychiatric care during Mr. Rainey's entire lifetime.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the
Medicare Part D Prescription Drug program and he is wondering if there is any other
option he has for obtaining help with his considerable drug costs. What should you tell
him? - ANSWERHe could check with the manufacturers of his medications to see if they
offer an assistance program to help people with limited means to obtain the medications
they need. Alternately, he could check to see whether his state has a pharmacy
assistance program to help him with expenses.
, Mr. Wong is a single individual. He has a successful business career and is now able to
retire with a comfortable income. Mr. Wong's taxable income is in excess of $80,000.
Mr. Wong has health coverage through his employer but will sign-up for Medicare Part
A, Part B and Part D when he leaves the workforce. How would you advise him as he
budgets for Medicare premiums? - ANSWERDue to his participation in the workforce he
will not have to pay a premium for Part A but he will pay higher premiums for Part B and
Part D due to the amount of his income.
By contacting plans available in your area, you have learned that the plan you represent
has a significantly lower monthly premium than the others. Furthermore, you see that
the plan you represent has a unique benefit package. What should you do to make sure
your clients know about these pieces of information? - ANSWERYou may make
comparisons between plans if you can support them by studies or statistical data and
such comparisons are factually based.
Mrs. Fields wants to know whether applying for the Part D low income subsidy will be
worth the time to fill out the paperwork. What could you tell her? - ANSWERThe Part D
low income subsidy could substantially lower her overall costs. She can apply by
contacting her state Medicaid office or calling the Social Security Administration.
Mr. Decaro has looked a Medicare prescription drug plans available in his area and
noted a wide range in premiums. He thought that all drug plans were required to offer
the same standard benefits and would like you to explain why there is such a range in
premiums. What should you tell him? - ANSWERSome prescription drug plans may
have higher operating costs and/or may offer enhanced coverage in return for an
additional premium amount. He could look at plan designs to see if one of the enhanced
plans would serve his needs better than a plan based on the standard design.
Mrs. Wellington is enrolled in Parts A and B of Original Medicare. A friend recently told
her that there is an excellent Medicare Advantage (MA) plan with a five-star rating
serving her area. On January 5 she comes to you for advise as to what options, if any,
she has. What should you say regarding special enrollment periods (SEPs)? -
ANSWERMrs. Wellington is eligible for a SEP that may be used once until November
30 to enroll in the five-star plan.
During an appointment scheduled to discuss a Medicare Advantage Prescription Drug
plan (MA-PD), Mr. Peters asked his agent to describe a stand-alone prescription drug
plan (Part D plan) that his neighbor told him about. What should his agent do? -
ANSWERSince Mr. Peters requested a description of the Part D plan, his agent must
have Mr. Peters sign a new scope of appointment form that includes Part D, and then
