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 or Lou Gehrig's
disease, so she will be eligible for Medicare.
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.
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage plan,
the health plan may, at some time in the future, reduce his benefits below
what is available in Original Medicare. What should you tell him about his
concern? - CORRECT ANSWER ✅✅✅Medicare health plans must cover all
benefits available under Medicare Part A and Part B. Many also cover Part D
prescription drugs.
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a
few weeks. She concerned about having prescription drug coverage. Which of
the following statements provides the best advice? - CORRECT ANSWER
✅✅✅Prescription drug coverage can be obtained by enrolling in a
Medicare Advantage plan that includes Part D coverage.
,Mrs. Willard wants to know generally how the benefits under Original
Medicare might compare to the benefit package of a Medicare Health Plan
before she starts looking at specific plans. What could you tell her? - CORRECT
ANSWER ✅✅✅Medicare Health Plans may offer extra benefits that
Original Medicare does not offer such as vision, hearing, and dental services
and must include a maximum out-of-pocket limit on Part A and Part B services.
Mr. Meoni's wife has a Medicare Advantage plan, but he wants to understand
what coverage Medicare Supplemental Insurance provides since his health
care needs are different from his wife's needs. What could you tell Mr.Meoni?
- CORRECT ANSWER ✅✅✅Medicare Supplemental Insurance would help
cover his Part A and Part B cost sharing in Original Fee-for-Service (FFS)
Medicare as well as possibly some services that Medicare does not cover.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been
employed full time, and paid taxes during that entire period. She is concerned
that she will not qualify for coverage under part A because she was not born in
the United States. What should you tell her? - CORRECT ANSWER
✅✅✅Most individuals who are citizens and over age 65 are covered under
Part A by virtue of having paid
Medicare taxes while working, though some may be covered as a result of
paying monthly premiums.
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. Davis is 49 years old and has been receiving disability benefits from the
Social Security Administration for 12 months. Can you sell him a Medicare
Advantage or Part D Prescription Drug policy? - CORRECT ANSWER
,✅✅✅No, he cannot purchase a Medicare Advantage or Part D policy
because he has not received Social Security or Railroad Retirement disability
benefits for 24 months.
Ms. Henderson believes that she will qualify for Medicare coverage when she
turns 65, without paying any premiums, because she has been working for 40
years and paying Medicare taxes.
What should you tell her? - CORRECT ANSWER ✅✅✅In order to obtain
Part B coverage, she must pay a standard monthly premium, though it is higher
for
individuals with higher incomes.
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 ✅✅✅Mr. Diaz will not pay any penalty because he had
continuous coverage under his employer's plan.
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.
Mrs. Kelly is entitled to Part A, but is not yet enrolled in Part B. She is
considering enrollment in a Medicare health plan. What should you advise her
to do before she will be able to enroll into a Medicare health plan? - CORRECT
ANSWER ✅✅✅In order to join a Medicare health plan, she also must enroll
in Part B.
, Mrs. Park has a low, fixed income. What could you tell her that might be of
assistance? - CORRECT ANSWER ✅✅✅She should contact her state
Medicaid agency to see if she qualifies for one of several programs that can
help with Medicare costs for which she is responsible.
Mr. Yu has limited income and resources so you have encouraged him to see if
he qualifies for some type of financial assistance. Mr. Yu is not sure it is worth
the trouble to apply and wants to know what the assistance could do for him if
he qualifies. What could you tell him? - CORRECT ANSWER ✅✅✅He might
qualify for help with Part D prescription drug costs and help paying Part A
and/or Part B premiums, deductibles, and/or cost sharing.
Mr. Patel is in good health and is preparing a budget in anticipation of his
retirement when he turns 66. He wants to understand the health care costs he
might be exposed to under Medicare if he were to require hospitalization as a
result of an illness. In general terms, what could you tell him about his costs for
inpatient hospital services under Original Medicare? - CORRECT ANSWER
✅✅✅Under Original Medicare, there is a single deductible amount due for
the first 60 days of any inpatient
hospital stay, after which it converts into a per-day amount through day 90.
After day 90, he would pay a daily
amount up to 60 days over his lifetime, after which he would be responsible
for all costs
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and
is being successfully treated for that condition. However, she and her
physicians feel that after her lengthy hospital stay she will need a month or
two of nursing and rehabilitative care. What should you tell them about
Original Medicare's coverage of care in a skilled nursing facility? - CORRECT
ANSWER ✅✅✅Medicare will cover Mrs. Schmidt's skilled nursing services
provided during the first 20 days of her stay, after which she would have a
coinsurance until she has been in the facility for 100 days.
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 or Lou Gehrig's
disease, so she will be eligible for Medicare.
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.
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage plan,
the health plan may, at some time in the future, reduce his benefits below
what is available in Original Medicare. What should you tell him about his
concern? - CORRECT ANSWER ✅✅✅Medicare health plans must cover all
benefits available under Medicare Part A and Part B. Many also cover Part D
prescription drugs.
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a
few weeks. She concerned about having prescription drug coverage. Which of
the following statements provides the best advice? - CORRECT ANSWER
✅✅✅Prescription drug coverage can be obtained by enrolling in a
Medicare Advantage plan that includes Part D coverage.
,Mrs. Willard wants to know generally how the benefits under Original
Medicare might compare to the benefit package of a Medicare Health Plan
before she starts looking at specific plans. What could you tell her? - CORRECT
ANSWER ✅✅✅Medicare Health Plans may offer extra benefits that
Original Medicare does not offer such as vision, hearing, and dental services
and must include a maximum out-of-pocket limit on Part A and Part B services.
Mr. Meoni's wife has a Medicare Advantage plan, but he wants to understand
what coverage Medicare Supplemental Insurance provides since his health
care needs are different from his wife's needs. What could you tell Mr.Meoni?
- CORRECT ANSWER ✅✅✅Medicare Supplemental Insurance would help
cover his Part A and Part B cost sharing in Original Fee-for-Service (FFS)
Medicare as well as possibly some services that Medicare does not cover.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been
employed full time, and paid taxes during that entire period. She is concerned
that she will not qualify for coverage under part A because she was not born in
the United States. What should you tell her? - CORRECT ANSWER
✅✅✅Most individuals who are citizens and over age 65 are covered under
Part A by virtue of having paid
Medicare taxes while working, though some may be covered as a result of
paying monthly premiums.
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. Davis is 49 years old and has been receiving disability benefits from the
Social Security Administration for 12 months. Can you sell him a Medicare
Advantage or Part D Prescription Drug policy? - CORRECT ANSWER
,✅✅✅No, he cannot purchase a Medicare Advantage or Part D policy
because he has not received Social Security or Railroad Retirement disability
benefits for 24 months.
Ms. Henderson believes that she will qualify for Medicare coverage when she
turns 65, without paying any premiums, because she has been working for 40
years and paying Medicare taxes.
What should you tell her? - CORRECT ANSWER ✅✅✅In order to obtain
Part B coverage, she must pay a standard monthly premium, though it is higher
for
individuals with higher incomes.
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 ✅✅✅Mr. Diaz will not pay any penalty because he had
continuous coverage under his employer's plan.
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.
Mrs. Kelly is entitled to Part A, but is not yet enrolled in Part B. She is
considering enrollment in a Medicare health plan. What should you advise her
to do before she will be able to enroll into a Medicare health plan? - CORRECT
ANSWER ✅✅✅In order to join a Medicare health plan, she also must enroll
in Part B.
, Mrs. Park has a low, fixed income. What could you tell her that might be of
assistance? - CORRECT ANSWER ✅✅✅She should contact her state
Medicaid agency to see if she qualifies for one of several programs that can
help with Medicare costs for which she is responsible.
Mr. Yu has limited income and resources so you have encouraged him to see if
he qualifies for some type of financial assistance. Mr. Yu is not sure it is worth
the trouble to apply and wants to know what the assistance could do for him if
he qualifies. What could you tell him? - CORRECT ANSWER ✅✅✅He might
qualify for help with Part D prescription drug costs and help paying Part A
and/or Part B premiums, deductibles, and/or cost sharing.
Mr. Patel is in good health and is preparing a budget in anticipation of his
retirement when he turns 66. He wants to understand the health care costs he
might be exposed to under Medicare if he were to require hospitalization as a
result of an illness. In general terms, what could you tell him about his costs for
inpatient hospital services under Original Medicare? - CORRECT ANSWER
✅✅✅Under Original Medicare, there is a single deductible amount due for
the first 60 days of any inpatient
hospital stay, after which it converts into a per-day amount through day 90.
After day 90, he would pay a daily
amount up to 60 days over his lifetime, after which he would be responsible
for all costs
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and
is being successfully treated for that condition. However, she and her
physicians feel that after her lengthy hospital stay she will need a month or
two of nursing and rehabilitative care. What should you tell them about
Original Medicare's coverage of care in a skilled nursing facility? - CORRECT
ANSWER ✅✅✅Medicare will cover Mrs. Schmidt's skilled nursing services
provided during the first 20 days of her stay, after which she would have a
coinsurance until she has been in the facility for 100 days.
