AHIP Medicare Training Module 1 Final Review 2026 |
Questions & Answers |Exam Prep
1. What is the consequence for not enrolling in Part B when first eligible if a
beneficiary has continuous coverage under an employer's group plan?
Flat penalty amount each year
Permanent 10% increase in premium
No penalty
10% higher premiums for the first year only
2. 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?
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 the highest rate
because her income over the last several years has exceeded
$100,000.
You should tell Madeline that she will need to pay premiums for Part A
because of her short work history. You should also tell Madeline that
she will pay Part B premiums at the highest rate because her income
over the last several years has exceeded $100,000.
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.
You should tell Madeline that she will be able to enroll in both
Medicare Part A and Part B without paying monthly premiums due to
her husband's long work record and participation in the Medicare
system.
3. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether or
not Medicare will cover these items and services. What should you tell her?
Medicare covers 80% of the cost of these three services.
Medicare does not cover massage therapy, or, in general, glasses or
dentures.
Medicare covers glasses, but not dentures or massage therapy.
Medicare covers 50% of the cost of these three services.
4. If Ms. Henderson's income increases significantly after she turns 65, how
might this affect her Medicare Part B premium?
Her Part B premium will remain the same regardless of income.
Her Part B premium may increase due to her higher income.
Her Part B premium will decrease because of her work history.
She will no longer be eligible for Part B coverage.
5. 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?
, Mr. Diaz will pay a penalty, which will be a flat amount each year, paid
during the first month of coverage.
Mr. Diaz will not pay any penalty because he had continuous
coverage under his employer's plan.
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.
During the first year, he is covered under Part B, his premiums will be
10% higher than they otherwise would be, after which point they will
return to normal.
6. If Mr. Rainey has already used 150 days of inpatient psychiatric care, how
many additional days of coverage does he have left under Medicare?
40 days
50 days
30 days
60 days
7. What is the primary function of Medigap plans in relation to Original
Medicare?
Medigap plans cover all medical expenses without any limitations.
Medigap plans are government-funded programs that replace
Original Medicare.
Medigap plans are only available to individuals over the age of 65.
Medigap plans help beneficiaries cover Original Medicare benefits,
but they coordinate with Original Medicare coverage.
, 8. What is one option available to Mr. Singh for drug coverage if he chooses not
to enroll in a Medicare Advantage plan?
Only obtain coverage through a Medicare Advantage plan.
Enroll in Medicaid for drug coverage.
Enroll in a stand-alone prescription drug plan.
Leave Original Medicare for drug coverage.
9. 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? Choose one
answer.
Medicare beneficiaries only pay a Part B premium if they are enrolled
in a Medicare Health Plan.
She is correct that she will not have to pay a premium because State
programs cover the cost of Part B premiums for all Medicare
beneficiaries.
In order to obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
She is correct because she will be covered under Part A, without
paying premiums and she has worked for 40 years so she will not have
to pay Part B premiums.
10. Which of the following statements concerning Medicare's skilled nursing
home benefit is (are) true? I. Medicare requires a hospital stay of at least 3
days (not including day of discharge) and a transfer to a qualified facility
within 30 days. II. Medicare pays for at least a portion of skilled nursing care
costs for up to 100 days.
II only
Questions & Answers |Exam Prep
1. What is the consequence for not enrolling in Part B when first eligible if a
beneficiary has continuous coverage under an employer's group plan?
Flat penalty amount each year
Permanent 10% increase in premium
No penalty
10% higher premiums for the first year only
2. 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?
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 the highest rate
because her income over the last several years has exceeded
$100,000.
You should tell Madeline that she will need to pay premiums for Part A
because of her short work history. You should also tell Madeline that
she will pay Part B premiums at the highest rate because her income
over the last several years has exceeded $100,000.
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.
You should tell Madeline that she will be able to enroll in both
Medicare Part A and Part B without paying monthly premiums due to
her husband's long work record and participation in the Medicare
system.
3. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether or
not Medicare will cover these items and services. What should you tell her?
Medicare covers 80% of the cost of these three services.
Medicare does not cover massage therapy, or, in general, glasses or
dentures.
Medicare covers glasses, but not dentures or massage therapy.
Medicare covers 50% of the cost of these three services.
4. If Ms. Henderson's income increases significantly after she turns 65, how
might this affect her Medicare Part B premium?
Her Part B premium will remain the same regardless of income.
Her Part B premium may increase due to her higher income.
Her Part B premium will decrease because of her work history.
She will no longer be eligible for Part B coverage.
5. 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?
, Mr. Diaz will pay a penalty, which will be a flat amount each year, paid
during the first month of coverage.
Mr. Diaz will not pay any penalty because he had continuous
coverage under his employer's plan.
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.
During the first year, he is covered under Part B, his premiums will be
10% higher than they otherwise would be, after which point they will
return to normal.
6. If Mr. Rainey has already used 150 days of inpatient psychiatric care, how
many additional days of coverage does he have left under Medicare?
40 days
50 days
30 days
60 days
7. What is the primary function of Medigap plans in relation to Original
Medicare?
Medigap plans cover all medical expenses without any limitations.
Medigap plans are government-funded programs that replace
Original Medicare.
Medigap plans are only available to individuals over the age of 65.
Medigap plans help beneficiaries cover Original Medicare benefits,
but they coordinate with Original Medicare coverage.
, 8. What is one option available to Mr. Singh for drug coverage if he chooses not
to enroll in a Medicare Advantage plan?
Only obtain coverage through a Medicare Advantage plan.
Enroll in Medicaid for drug coverage.
Enroll in a stand-alone prescription drug plan.
Leave Original Medicare for drug coverage.
9. 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? Choose one
answer.
Medicare beneficiaries only pay a Part B premium if they are enrolled
in a Medicare Health Plan.
She is correct that she will not have to pay a premium because State
programs cover the cost of Part B premiums for all Medicare
beneficiaries.
In order to obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
She is correct because she will be covered under Part A, without
paying premiums and she has worked for 40 years so she will not have
to pay Part B premiums.
10. Which of the following statements concerning Medicare's skilled nursing
home benefit is (are) true? I. Medicare requires a hospital stay of at least 3
days (not including day of discharge) and a transfer to a qualified facility
within 30 days. II. Medicare pays for at least a portion of skilled nursing care
costs for up to 100 days.
II only
