AHIP Final & Module 1–5 Test Bank | Comprehensive Questions
and Answers Guide A+ Exam 2027 Prep
Question 1.
Original Medicare covers ambulance services.
Answer: Mrs. Turner is comparing her employer's retiree insurance to Original
Medicare and would like to know which of the following services Original
Medicare will cover if the appropriate criteria are met? What could you tell
her?
Question 2.
Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan.
Answer: 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?
Question 3.
You are sorry to disappoint Anita but a Medigap Part F plan is no longer available to
those who turn age 65 after January 1,2020. Anita might instead consider other Medigap
plans that offer foreign travel benefits but do not cover the Part B deductible.
Answer: Anita Magri will turn age 65 in August 2020. Anita intends to enroll in
Original Medicare Part A and Part B. She would also like to enroll in a Medicare
Supplement (Medigap) plan. Anita's older neighbor Mel has told her about the
Medigap Part F plan in which he is enrolled. It not only provides foreign travel
emergency benefits but also covers his Medicare Part B deductible. Anita
comes to you for advice. What should you tell her?
Question 4.
Medicare Supplemental Insurance would help cover his Part A and Part B cost sharing in
Original Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare
does not cover.
Answer: Mr. Moy's wife has a Medicare Advantage plan, but he wants to
understand what coverage Medicare Supplemental Insurance provides since
his health care needs are different from his wife's needs. What could you tell
Mr. Moy?
Question 5.
After receiving such disability payments for 24 months, he will be automatically enrolled
in Medicare, regardless of age.
,Answer: Mr. Bauer is 49 years old, but eighteen months ago he was declared
disabled by the Social Security Administration and has been receiving
disability payments. He is wondering whether he can obtain coverage under
Medicare. What should you tell him?
Question 6.
Part A, which covers hospital, skilled nursing facility, hospice, and home health services
and Part B, which covers professional services such as those provided by a doctor are
covered under Original Medicare.
Answer: Mr. Schmidt would like to plan for retirement and has asked you what
is covered under Original Fee-for-Service (FFS) Medicare? What could you tell
him?
Question 7.
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease so she will be eligible for
Medicare.
Answer: 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
concerned that her income will make it impossible for her to qualify for
Medicare. What could you tell her to address her concern?
Question 8.
Medicare will cover Mrs. Shield's skilled nursing services provided during the first 20
days of her stay, after which she would have a copay until she has been in the facility for
100 days.
Answer: Mrs. Shields is covered by Original Medicare. She sustained a hip
fracture and is being successfully treated for that condition. However, she and
her physicians feel that after her lengthy hospital stay she will need a month
or two of nursing and rehabilitative care. What should you tell them about
Original Medicare's coverage of care in a skilled nursing facility?
Question 9.
Beneficiaries under Original Medicare have no cost-sharing for most preventive services
which include immunizations such as annual flu shots.
Answer: Mr. Xi will soon turn age 65 and has come to you for advice as to what
services are provided under Original Medicare. What should you tell Mr. Xi
that best describes the health coverage provided to Medicare beneficiaries?
Question 10.
Part D covers prescription drugs and she should look at her premiums, formulary, and
, cost-sharing among other factors to see if they have changed.
Answer: Mrs. Geisler's neighbor told her she should look at her Part D options
during the annual Medicare enrollment period because features of Part D
might have changed. Mrs. Geisler can't remember what Part D is so she called
you to ask what her neighbor was talking about. What could you tell her?
‣ The Part B deductible will no longer be covered for individuals newly eligible
for Medicare starting January 1, 2020. Answer: What impact, if any, will recent
regulatory changes have upon Medigap plans?
Question 11.
Mr. Wu may still qualify for help in paying Part D costs through his State Pharmaceutical
Assistance Program.
Answer: Mr. Wu is eligible for Medicare. He has limited financial resources but
failed to qualify for the Part D low-income subsidy. Where might he turn for
help with his prescription drug costs?
Question 12.
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.
Answer: 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?
Question 13.
Tell prospect Jerry Smith that he should consider adding a standalone Part D prescription
drug coverage policy to his present coverage.
Answer: Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is
currently enrolled in Medicare Parts A and B. Jerry has also purchased a
Medicare Supplement (Medigap) plan which he has had for several years.
However, the plan does not provide drug benefits. How would you advise
Agent John Miller to proceed?
‣ Medigap plans help beneficiaries cover coinsurance, co-payments, and/or
deductibles for medically necessary services Answer: 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?
and Answers Guide A+ Exam 2027 Prep
Question 1.
Original Medicare covers ambulance services.
Answer: Mrs. Turner is comparing her employer's retiree insurance to Original
Medicare and would like to know which of the following services Original
Medicare will cover if the appropriate criteria are met? What could you tell
her?
Question 2.
Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan.
Answer: 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?
Question 3.
You are sorry to disappoint Anita but a Medigap Part F plan is no longer available to
those who turn age 65 after January 1,2020. Anita might instead consider other Medigap
plans that offer foreign travel benefits but do not cover the Part B deductible.
Answer: Anita Magri will turn age 65 in August 2020. Anita intends to enroll in
Original Medicare Part A and Part B. She would also like to enroll in a Medicare
Supplement (Medigap) plan. Anita's older neighbor Mel has told her about the
Medigap Part F plan in which he is enrolled. It not only provides foreign travel
emergency benefits but also covers his Medicare Part B deductible. Anita
comes to you for advice. What should you tell her?
Question 4.
Medicare Supplemental Insurance would help cover his Part A and Part B cost sharing in
Original Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare
does not cover.
Answer: Mr. Moy's wife has a Medicare Advantage plan, but he wants to
understand what coverage Medicare Supplemental Insurance provides since
his health care needs are different from his wife's needs. What could you tell
Mr. Moy?
Question 5.
After receiving such disability payments for 24 months, he will be automatically enrolled
in Medicare, regardless of age.
,Answer: Mr. Bauer is 49 years old, but eighteen months ago he was declared
disabled by the Social Security Administration and has been receiving
disability payments. He is wondering whether he can obtain coverage under
Medicare. What should you tell him?
Question 6.
Part A, which covers hospital, skilled nursing facility, hospice, and home health services
and Part B, which covers professional services such as those provided by a doctor are
covered under Original Medicare.
Answer: Mr. Schmidt would like to plan for retirement and has asked you what
is covered under Original Fee-for-Service (FFS) Medicare? What could you tell
him?
Question 7.
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease so she will be eligible for
Medicare.
Answer: 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
concerned that her income will make it impossible for her to qualify for
Medicare. What could you tell her to address her concern?
Question 8.
Medicare will cover Mrs. Shield's skilled nursing services provided during the first 20
days of her stay, after which she would have a copay until she has been in the facility for
100 days.
Answer: Mrs. Shields is covered by Original Medicare. She sustained a hip
fracture and is being successfully treated for that condition. However, she and
her physicians feel that after her lengthy hospital stay she will need a month
or two of nursing and rehabilitative care. What should you tell them about
Original Medicare's coverage of care in a skilled nursing facility?
Question 9.
Beneficiaries under Original Medicare have no cost-sharing for most preventive services
which include immunizations such as annual flu shots.
Answer: Mr. Xi will soon turn age 65 and has come to you for advice as to what
services are provided under Original Medicare. What should you tell Mr. Xi
that best describes the health coverage provided to Medicare beneficiaries?
Question 10.
Part D covers prescription drugs and she should look at her premiums, formulary, and
, cost-sharing among other factors to see if they have changed.
Answer: Mrs. Geisler's neighbor told her she should look at her Part D options
during the annual Medicare enrollment period because features of Part D
might have changed. Mrs. Geisler can't remember what Part D is so she called
you to ask what her neighbor was talking about. What could you tell her?
‣ The Part B deductible will no longer be covered for individuals newly eligible
for Medicare starting January 1, 2020. Answer: What impact, if any, will recent
regulatory changes have upon Medigap plans?
Question 11.
Mr. Wu may still qualify for help in paying Part D costs through his State Pharmaceutical
Assistance Program.
Answer: Mr. Wu is eligible for Medicare. He has limited financial resources but
failed to qualify for the Part D low-income subsidy. Where might he turn for
help with his prescription drug costs?
Question 12.
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.
Answer: 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?
Question 13.
Tell prospect Jerry Smith that he should consider adding a standalone Part D prescription
drug coverage policy to his present coverage.
Answer: Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is
currently enrolled in Medicare Parts A and B. Jerry has also purchased a
Medicare Supplement (Medigap) plan which he has had for several years.
However, the plan does not provide drug benefits. How would you advise
Agent John Miller to proceed?
‣ Medigap plans help beneficiaries cover coinsurance, co-payments, and/or
deductibles for medically necessary services Answer: 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?
