AHIP FINAL EXAM QUESTIONS And 100%ANSWERS+ ELABORATIONS

AHIP FINAL EXAM QUESTIONS And 100%ANSWERS+ ELABORATIONS Julia Harris is turning 66 in July, at which time she will retire. She has contacted your office and requested a meeting so that she can learn about Medicare and the products you represent. How should you respond? ----ANSWER---c. Tell Julia that you will meet with her to explain Medicare and should she be interested you can accept and submit an enrollment request, since this is an initial enrollment qualifying her for a special enrollment period. Mr. Rivera has Qualified Medicare Beneficiary (QMB) eligibility and is thus covered by both Medicare and Medicaid. He decides to enroll in a Medicare Advantage (MA) PPO plan. Later he sees an out-of-network doctor to receive a Medicare covered service. How much The doctor may only collect from Mr. Rivera the cost sharing allowable under the state's Medicaid the doctor collect from Mr. Rivera? ----ANSWER-- The doctor may only collect from Mr. Rivera the cost sharing allowable under the state's Medicaid program. During a sales presentation in Ms. Sullivan's home, she tells you that she has heard about a type of Medicare health plan known as Private Fee-for-Service (PFFS). She wants to know if this would be available to her. What should you tell her about PFFS plans? ----ANSWER--- Choose one answer. ----ANSWER--- ----ANSWER---a. A PFFS plan is a type of Medicare Supplement plan and she may enroll in one if it is available in her area. ----ANSWER---b. A PFFS plan is exactly the same as Original Medicare, only offered by a private entity and she may enroll in one if it is available in her area. ----ANSWER---c. PFFS plans are designed to cover only prescription drugs and if that is the type of coverage she wants, she may enroll in one if it is available in her area. ----ANSWER---d. A PFFS plan is one of the various types of Medicare Advantage plans offered by private entities and she may enroll in one if it is available in her area. Question8 ----ANSWER--- Marks: 1 ----ANSWER--- 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? ---- ANSWER--- Choose one answer. ----ANSWER--- ----ANSWER---a. Since Mr. Peters requested a description of the Part D plan, his agent must leave the Part D plan brochure, but not an enrollment form, and would have to schedule another appointment after at least 48 hours have passed to discuss the Part D plan with Mr. Peters. ----ANSWER---b. Since 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 the agent may discuss the Part D plan so Mr. Peters can compare plans and make an informed enrollment choice during the appointment. ----ANSWER---c. Since Mr. Peters requested a description of the Part D plan, his agent must inform Mr. Peters that he can only sign up for the MA-PD plan and cannot receive a brochure or any other information about the Part D plan now because he did not agree in advance to discuss that plan ----ANSWER---d. Since Mr. Peters requested a description of the Part D plan, his agent must discuss both the Part D and the MA-PD plans and return after at least 48 hours to complete the Part D plan enrollment form with Mr. Peters. Question9 ----ANSWER--- Marks: 1 ----ANSWER--- Mr. Torres has a small savings account. He would like to pay for his monthly Part D premiums with an automatic monthly withdrawal from his savings account until it is exhausted, and then have his premiums withheld from his Social Security check. What should you tell him? ----ANSWER--- Choose one answer. ----ANSWER--- ----ANSWER---a. In general, he must select a single Part D premium payment mechanism that will be used throughout the year. ----ANSWER---b. As long as he fills out the paperwork to begin withholding from his Social Security check at least 63 days before such withholding should begin , he can change his method of Part D premium payment and withholding will begin the month after his savings account is exhausted. ----ANSWER---c. During 2017, many people experienced significant problems with deductions from their Social Security check for their Part D premium. As a result, this method of payment is no longer an option for Part D premium payments ----ANSWER---d. In general, to pay his Part D premium, he only can have automatic withdrawals made from a checking account, so he will need to transfer the funds prior to beginning such withdrawals. Question10 ----ANSWER--- Marks: 1 ----ANSWER--- Since 2004 Ms. Eisenberg has had a Medigap plan that provides some drug coverage. She has recently received a letter from her Medigap carrier informing her that her drug coverage is not "creditable." She wants to know what this means. What should you tell her? ----ANSWER--- Choose one answer. ----ANSWER--- ----ANSWER---a. The letter is to inform her that her Medigap drug coverage must be supplemented by purchasing coverage under a Part D plan. If she does not do so within 63 days, she will not be able to obtain Part D coverage at a later date. ----ANSWER---b. The letter is to inform her that the drug coverage offered through her Medigap plan does not offer drug coverage that is at least comparable to that provided under the Medicare Part D prescription drug program. If she does not have such creditable coverage during periods when she is first eligible for the Part D program, she will face a premium penalty if she enrolls in a Part D plan at a later date. ----ANSWER---c. The letter is to inform her that her Medigap plan's coverage has been determined by the Federal government to be inadequate and the plan must therefore