AHIP 2027 FINAL EXAM FULLY SOLVED EXAM
PAPER GRADED A+
◉ Mr. and Mrs. Orozco attended one of your sales presentations.
They've asked you to come to their home to clear up a few questions.
During the presentation, Mrs. Orozco feels tired and tells you that
her husband can finish things up. She goes to bed. At the end of your
discussion, Mr. Orozco says that he wants to enroll both himself and
his wife. What should you do?
Answer: If she can do so, only Mrs. Orozco can sign her enrollment
form. Mrs. Orozco will have to wake up to sign her form or do so at
another time.
◉ You are visiting Mr. Connor and his daughter at her request. He
has advanced Alzheimer's and is incapable of understanding the
implications of choosing a Medicare Advantage or prescription drug
plan. Can his daughter fill out the enrollment form and sign it for
him?
Answer: Mr. Connor's daughter can do so only if she is authorized
under state law as a court-appointed legal guardian, has a durable
power of attorney for health care decisions, or is authorized under
state surrogate consent laws to make health decisions.
◉ Mr. Blake is enrolled in his employer's group health plan and will
be retiring soon. He would like to know his options since he has
,decided to drop his retiree coverage and is eligible for Medicare.
What should you tell him?
Answer: Mr. Blake can disenroll from his employer-sponsored
coverage to elect a Medicare Advantage or Part D plan within 2
months of his disenrollment.
◉ Mrs. Farmer would like to enroll in a Medicare Cost plan that
offers Part D prescription drug coverage. She is coming to you for
advice about when she can enroll in a plan you have previously
discussed. What should you tell her?
Answer: Enrollment in Cost plans offering Part D coverage is
available only during enrollment periods under the Part D program,
and Cost plans must accept enrollments during these periods.
◉ Mrs. Dunn would like her daughter, who lives in another state, to
meet with you during the Annual Election Period to help her
complete her enrollment in a Part D plan. She asked you when she
should have her daughter plan to visit. What could you tell her?
Answer: Her daughter should come in November.
◉ Mr. Jerome Summers participated in Original Medicare (Parts A
and B) for several years before electing to enroll in a Medicare
Savings Account (MSA) Medicare Advantage Plan for the first time
on November 1st during the Annual Election Period. Almost
immediately thereafter, Mr. Summers contacts you to tell you that he
, regrets his decision and wants to change his election back to
Original Medicare. How would you advise him?
Answer: Mr. Summers may revoke his election if he does it no later
than December 15th of the same year. He is allowed to do this
because he has never elected an MA MSA plan.
◉ Mrs. Delgado is currently enrolled in Original Medicare (Parts A
and B), but she has been working with Agent Hudson in the selection
of a Medicare Advantage (MA) plan. It is mid-September, and Mrs.
Delgado is going on vacation. Agent Hudson is considering
suggesting that he and Mrs. Delgado complete the application
together before she leaves. He will then submit the paper application
before the start of the annual enrollment period (AEP). What would
you say If you were advising Agent Hudson?
Answer: This is a bad idea. Agents are generally prohibited from
soliciting or accepting an enrollment form before the start of the
AEP.
◉ Ms. Sutton is enrolled in an MA-PD plan but will be moving out of
the plan's service area next month. She is worried that she will not
be able to enroll in another plan available in her new residence until
the Annual Election Period. What should you tell her?
Answer: She is eligible for a special election period (SEP) that begins
either the month before her permanent move, if the plan is notified
in advance, or the month she provides notice of the move, and this
period typically lasts an additional two months.
PAPER GRADED A+
◉ Mr. and Mrs. Orozco attended one of your sales presentations.
They've asked you to come to their home to clear up a few questions.
During the presentation, Mrs. Orozco feels tired and tells you that
her husband can finish things up. She goes to bed. At the end of your
discussion, Mr. Orozco says that he wants to enroll both himself and
his wife. What should you do?
Answer: If she can do so, only Mrs. Orozco can sign her enrollment
form. Mrs. Orozco will have to wake up to sign her form or do so at
another time.
◉ You are visiting Mr. Connor and his daughter at her request. He
has advanced Alzheimer's and is incapable of understanding the
implications of choosing a Medicare Advantage or prescription drug
plan. Can his daughter fill out the enrollment form and sign it for
him?
Answer: Mr. Connor's daughter can do so only if she is authorized
under state law as a court-appointed legal guardian, has a durable
power of attorney for health care decisions, or is authorized under
state surrogate consent laws to make health decisions.
◉ Mr. Blake is enrolled in his employer's group health plan and will
be retiring soon. He would like to know his options since he has
,decided to drop his retiree coverage and is eligible for Medicare.
What should you tell him?
Answer: Mr. Blake can disenroll from his employer-sponsored
coverage to elect a Medicare Advantage or Part D plan within 2
months of his disenrollment.
◉ Mrs. Farmer would like to enroll in a Medicare Cost plan that
offers Part D prescription drug coverage. She is coming to you for
advice about when she can enroll in a plan you have previously
discussed. What should you tell her?
Answer: Enrollment in Cost plans offering Part D coverage is
available only during enrollment periods under the Part D program,
and Cost plans must accept enrollments during these periods.
◉ Mrs. Dunn would like her daughter, who lives in another state, to
meet with you during the Annual Election Period to help her
complete her enrollment in a Part D plan. She asked you when she
should have her daughter plan to visit. What could you tell her?
Answer: Her daughter should come in November.
◉ Mr. Jerome Summers participated in Original Medicare (Parts A
and B) for several years before electing to enroll in a Medicare
Savings Account (MSA) Medicare Advantage Plan for the first time
on November 1st during the Annual Election Period. Almost
immediately thereafter, Mr. Summers contacts you to tell you that he
, regrets his decision and wants to change his election back to
Original Medicare. How would you advise him?
Answer: Mr. Summers may revoke his election if he does it no later
than December 15th of the same year. He is allowed to do this
because he has never elected an MA MSA plan.
◉ Mrs. Delgado is currently enrolled in Original Medicare (Parts A
and B), but she has been working with Agent Hudson in the selection
of a Medicare Advantage (MA) plan. It is mid-September, and Mrs.
Delgado is going on vacation. Agent Hudson is considering
suggesting that he and Mrs. Delgado complete the application
together before she leaves. He will then submit the paper application
before the start of the annual enrollment period (AEP). What would
you say If you were advising Agent Hudson?
Answer: This is a bad idea. Agents are generally prohibited from
soliciting or accepting an enrollment form before the start of the
AEP.
◉ Ms. Sutton is enrolled in an MA-PD plan but will be moving out of
the plan's service area next month. She is worried that she will not
be able to enroll in another plan available in her new residence until
the Annual Election Period. What should you tell her?
Answer: She is eligible for a special election period (SEP) that begins
either the month before her permanent move, if the plan is notified
in advance, or the month she provides notice of the move, and this
period typically lasts an additional two months.
