AHIP 2024 FINAL EXAM QUESTIONS
WITH 100% CORRECTLY SOLVED
ANSWERS.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could
you tell Mrs. Park that might be of assistance? - Correct Answer-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.
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? - Correct
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 - Correct 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? - Correct 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? - Correct 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? - Correct 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 did not sign up for Part B when first eligible
and wants to know how much he will have to pay. What should you tell him?
- Correct Answer-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.
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. She is
concerned that her income will make it impossible for her to qualify for
Medicare. What could you tell her to address her concern? - Correct Answer-
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.
Mildred Savage enrolled in Allcare Medicare Advantage plan several years
ago. Mildred recently learned that she is suffering from inoperable cancer
and has 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
paid for under the Allcare Medicare Advantage plan. What should you say? -
Correct Answer-Mildred may remain enrolled in Allcare and make a hospice
election. Hospice benefits will be paid for by Original Medicare under Part A
and Allcare will continue to pay for any non-hospice services.
WITH 100% CORRECTLY SOLVED
ANSWERS.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could
you tell Mrs. Park that might be of assistance? - Correct Answer-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.
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? - Correct
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 - Correct 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? - Correct 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? - Correct 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? - Correct 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 did not sign up for Part B when first eligible
and wants to know how much he will have to pay. What should you tell him?
- Correct Answer-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.
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. She is
concerned that her income will make it impossible for her to qualify for
Medicare. What could you tell her to address her concern? - Correct Answer-
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.
Mildred Savage enrolled in Allcare Medicare Advantage plan several years
ago. Mildred recently learned that she is suffering from inoperable cancer
and has 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
paid for under the Allcare Medicare Advantage plan. What should you say? -
Correct Answer-Mildred may remain enrolled in Allcare and make a hospice
election. Hospice benefits will be paid for by Original Medicare under Part A
and Allcare will continue to pay for any non-hospice services.
