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.vWestvwearsvglassesv andvdenturesv andvhasvenjoyedvconsiderablev painvreliefv fr
omv arthritisv throughv massagev therapy.v Shev isv concernedv aboutv whetherv orvnotv Me
dicarev willv coverv thesev itemsv andv services.v Whatv shouldv youv tellvher?
~~~v Medicarev doesv notv coverv massagev therapy,v or,v inv general,v glassesv orv dentures.
Ms.v Gibsonv recentlyvlostv hervemployerv groupvhealthv andvdrugvcoveragev andvnowvshe
wantsv tov enrollv inv av PPOv thatv doesv notv includev drugv coverage.vWhatv shouldv youv tell
herv aboutv obtainingv drugv coverage?
~~~v Shevcanv enrollv inv thev PPO,v butv shevwillvnotv bev ablev tov purchasev av stand
-
alonev Medicarev Partv Dv prescriptionv drugv plan.
Mrs.v Radfordvasksvwhethervtherevarevanyvspecialveligibilityvrequirementsvforv Medicare
Advantage.vWhatv shouldv youv tellv 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.vWestvwearsvglassesv andvdenturesv andvhasvenjoyedvconsiderablev painvreliefv fr
omv arthritisv throughv massagev therapy.v Shev isv concernedv aboutv whetherv orvnotv Me
dicarev willv coverv thesev itemsv andv services.v Whatv shouldv youv tellvher?
~~~v Medicarev doesv notv coverv massagev therapy,v or,v inv general,v glassesv orv dentures.
Ms.v Gibsonv recentlyvlostv hervemployerv groupvhealthv andvdrugvcoveragev andvnowvshe
wantsv tov enrollv inv av PPOv thatv doesv notv includev drugv coverage.vWhatv shouldv youv tell
herv aboutv obtainingv drugv coverage?
~~~v Shevcanv enrollv inv thev PPO,v butv shevwillvnotv bev ablev tov purchasev av stand
-
alonev Medicarev Partv Dv prescriptionv drugv plan.
Mrs.v Radfordvasksvwhethervtherevarevanyvspecialveligibilityvrequirementsvforv Medicare
Advantage.vWhatv shouldv youv tellv her?
