Ahip 2026 final Questions and Correct
Answers
Mrs. Paterson is concerned about the deductibles and co-
payments associated with Original Medicare. What can you tell her about Medigap
as an option to address this concern?
~~~ Medigap plans help beneficiaries cover Original Medicare benefits, but the
y coordinate with Original Medicare coverage.
Anita Magri will turn age 65 in August 2023. Anita intends to enroll in Original Medic
are Part A and Part B. She would also like to enroll in a Medicare Supplement (Medi
gap) plan. Anita's older neighbor Mel has told her about the Medigap Plan F in whic
h he is enrolled. It not only provides foreign travel emergency benefits but also cove
rs his Medicare Part B deductible. Anita comes to you for advice. What should you t
ell her?
~~~ You are sorry to disappoint Anita, but a Medigap F plan is no longer available
to those who turn age 65 after January 1, 2020. Anita might instead consider othe
r Medigap plans that offer foreign travel benefits but do not cover the Part B dedu
ctible.
What impact, if any, have recent regulatory changes had on Medigap plans?
~~~ b.
The Part B deductible is no longer covered for individuals newly eligible for Medicare
starting January 1, 2020.
, Mr. Rainey is experiencing paranoid delusions and his physician feels that he shoul
d be hospitalized. What should you tell Mr. Rainey (or his representative) about the
length of an inpatient psychiatric hospital stay that Medicare will cover?
~~~ Medicare will cover a total of 190 days of inpatient psychiatric care during M
r. Rainey's entire lifetime.
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is b
eing successfully treated for that condition. However, she and her physicians feel t
hat after her lengthy hospital stay, she will need a month or two of nursing and reh
abilitative care. What should you tell them about Original Medicare's coverage of ca
re in a skilled nursing facility?
~~~
Mrs.zWestzwearszglassesz andzdenturesz andzhaszenjoyedzconsiderablez painzreliefz fr
omz arthritisz throughz massagez therapy.z Shez isz concernedz aboutz whetherz orznotz Me
dicarez willz coverz thesez itemsz andz services.z Whatz shouldz youz tellzher?
~~~z Medicarez doesz notz coverz massagez therapy,z or,z inz general,z glassesz orz dentures.
Ms.z Gibsonz recentlyzlostz herzemployerz groupzhealthz andzdrugzcoveragez andznowzshe
wantsz toz enrollz inz az PPOz thatz doesz notz includez drugz coverage.zWhatz shouldz youz tell
herz aboutz obtainingz drugz coverage?
~~~z Shezcanz enrollz inz thez PPO,z butz shezwillznotz bez ablez toz purchasez az stand-
alonez Medicarez Partz Dz prescriptionz drugz plan.
Mrs.z Radfordzaskszwhetherztherezarezanyzspecialzeligibilityzrequirementszforz Medicare
Advantage.zWhatz shouldz youz tellz her?
Answers
Mrs. Paterson is concerned about the deductibles and co-
payments associated with Original Medicare. What can you tell her about Medigap
as an option to address this concern?
~~~ Medigap plans help beneficiaries cover Original Medicare benefits, but the
y coordinate with Original Medicare coverage.
Anita Magri will turn age 65 in August 2023. Anita intends to enroll in Original Medic
are Part A and Part B. She would also like to enroll in a Medicare Supplement (Medi
gap) plan. Anita's older neighbor Mel has told her about the Medigap Plan F in whic
h he is enrolled. It not only provides foreign travel emergency benefits but also cove
rs his Medicare Part B deductible. Anita comes to you for advice. What should you t
ell her?
~~~ You are sorry to disappoint Anita, but a Medigap F plan is no longer available
to those who turn age 65 after January 1, 2020. Anita might instead consider othe
r Medigap plans that offer foreign travel benefits but do not cover the Part B dedu
ctible.
What impact, if any, have recent regulatory changes had on Medigap plans?
~~~ b.
The Part B deductible is no longer covered for individuals newly eligible for Medicare
starting January 1, 2020.
, Mr. Rainey is experiencing paranoid delusions and his physician feels that he shoul
d be hospitalized. What should you tell Mr. Rainey (or his representative) about the
length of an inpatient psychiatric hospital stay that Medicare will cover?
~~~ Medicare will cover a total of 190 days of inpatient psychiatric care during M
r. Rainey's entire lifetime.
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is b
eing successfully treated for that condition. However, she and her physicians feel t
hat after her lengthy hospital stay, she will need a month or two of nursing and reh
abilitative care. What should you tell them about Original Medicare's coverage of ca
re in a skilled nursing facility?
~~~
Mrs.zWestzwearszglassesz andzdenturesz andzhaszenjoyedzconsiderablez painzreliefz fr
omz arthritisz throughz massagez therapy.z Shez isz concernedz aboutz whetherz orznotz Me
dicarez willz coverz thesez itemsz andz services.z Whatz shouldz youz tellzher?
~~~z Medicarez doesz notz coverz massagez therapy,z or,z inz general,z glassesz orz dentures.
Ms.z Gibsonz recentlyzlostz herzemployerz groupzhealthz andzdrugzcoveragez andznowzshe
wantsz toz enrollz inz az PPOz thatz doesz notz includez drugz coverage.zWhatz shouldz youz tell
herz aboutz obtainingz drugz coverage?
~~~z Shezcanz enrollz inz thez PPO,z butz shezwillznotz bez ablez toz purchasez az stand-
alonez Medicarez Partz Dz prescriptionz drugz plan.
Mrs.z Radfordzaskszwhetherztherezarezanyzspecialzeligibilityzrequirementszforz Medicare
Advantage.zWhatz shouldz youz tellz her?
