AHIP FINAL EXAM TEST Q&A 100% VERIFIED ANSWERS
1. 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 does not cover acupuncture, or, in general, glasses or dentures.
2. Mr. Bickford did not quite qualify for the extra help low-income subsidy
under the Medicare Part D Prescription Drug program and he is wondering if
there is any other option he has for obtaining help with his considerable drug
costs. What should you tell him?: He could check with the manufacturers of his
medications to see if they offer an assistance program to help people with limited
means obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with his
expenses.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you
represent. It is one of three plans operated by the same organization in Mr.
Lombardi's area. The MA PPO plan does not include drug coverage, but the
other two plans do. Mr. Lombardi likes the PPO plan that does not include
drug coverage and intends to obtain his drug coverage through a stand-alone
Medicare prescription drug plan. What should you tell him about this
situation?: He could enroll in one of the MA plans that include prescription drug
coverage or a Medigap plan and a stand-alone prescription drug plan, but he
cannot enroll in the MA-only PPO plan and a stand-alone prescription drug plan.
4. 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
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, AHIP FINAL EXAM TEST QUESTIONS
savings account until it is exhausted, and then have his premiums withheld
from his Social Security check. What should you tell him?: In general, he must
select a single Part D premium payment mechanism that will be used throughout
the year.
5. Agent Jennings makes a presentation on Medicare advertised as an
educa- tional event. Agent Jennings distributes materials that are solely
educational in nature. However, she gives a brief presentation that mentions
plan-specific premiums. Is this a prohibited activity at an event that has been
advertised as educational?: Yes. When an event has been advertised as
"educational," dis- cussing plan-specific premiums is impermissible.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
she is not enrolled under Medicare Part B. What should you tell her?: Everyone
who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare
prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not
need to enroll under Part B before enrolling in a prescription drug plan.
7. Mr. Jacob understands that there is a standard Medicare Part D
prescription drug benefit, but when he looks at information on various plans
available in his area, he sees a wide range in what they charge for deductibles,
premiums and cost sharing. How can you explain this to him?: Medicare Part D
drug plans may have different benefit structures, but on average, they must all be at
least as good as the standard model established by the government.
8. 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
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1. 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 does not cover acupuncture, or, in general, glasses or dentures.
2. Mr. Bickford did not quite qualify for the extra help low-income subsidy
under the Medicare Part D Prescription Drug program and he is wondering if
there is any other option he has for obtaining help with his considerable drug
costs. What should you tell him?: He could check with the manufacturers of his
medications to see if they offer an assistance program to help people with limited
means obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with his
expenses.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you
represent. It is one of three plans operated by the same organization in Mr.
Lombardi's area. The MA PPO plan does not include drug coverage, but the
other two plans do. Mr. Lombardi likes the PPO plan that does not include
drug coverage and intends to obtain his drug coverage through a stand-alone
Medicare prescription drug plan. What should you tell him about this
situation?: He could enroll in one of the MA plans that include prescription drug
coverage or a Medigap plan and a stand-alone prescription drug plan, but he
cannot enroll in the MA-only PPO plan and a stand-alone prescription drug plan.
4. 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
1/
14
, AHIP FINAL EXAM TEST QUESTIONS
savings account until it is exhausted, and then have his premiums withheld
from his Social Security check. What should you tell him?: In general, he must
select a single Part D premium payment mechanism that will be used throughout
the year.
5. Agent Jennings makes a presentation on Medicare advertised as an
educa- tional event. Agent Jennings distributes materials that are solely
educational in nature. However, she gives a brief presentation that mentions
plan-specific premiums. Is this a prohibited activity at an event that has been
advertised as educational?: Yes. When an event has been advertised as
"educational," dis- cussing plan-specific premiums is impermissible.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
she is not enrolled under Medicare Part B. What should you tell her?: Everyone
who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare
prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not
need to enroll under Part B before enrolling in a prescription drug plan.
7. Mr. Jacob understands that there is a standard Medicare Part D
prescription drug benefit, but when he looks at information on various plans
available in his area, he sees a wide range in what they charge for deductibles,
premiums and cost sharing. How can you explain this to him?: Medicare Part D
drug plans may have different benefit structures, but on average, they must all be at
least as good as the standard model established by the government.
8. 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
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14
