AHIP FINAL EXAM NEWEST 2025-2026
VERSION QUESTIONS WITH GOLDEN
TIPS SOLUTIONS AND REVEWEIRS
Mr.sxWusxissxeligiblesxforsxMedicare.sxHesxhassxlimitedsxfinancialsxresourcessxbutsxfailedsxtos
xqualifysxforsxthesxPartsxDsxlow-
incomesxsubsidy.sxWheresxmightsxhesxturnsxforsxhelpsxwithsxhissxprescriptionsxdrugsxcosts?s
x-sxANSWERS-
Mr.sxWusxmaysxstillsxqualifysxforsxhelpsxinsxpayingsxPartsxDsxcostssxthroughsxhissxStatesxPhar
maceuticalsxAssistancesxProgram.
Mr.sxBauersxissx49sxyearssxold,sxbutsxeighteensxmonthssxagosxhesxwassxdeclaredsxdisableds
xbysxthesxSocialsxSecuritysxAdministrationsxandsxhassxbeensxreceivingsxdisabilitysxpayment
s.sxHesxissxwonderingsxwhethersxhesxcansxobtainsxcoveragesxundersxMedicare.sxWhatsxsho
uldsxyousxtellsxhim?sx-sxANSWERS-
Aftersxreceivingsxsuchsxdisabilitysxpaymentssxforsx24sxmonths,sxhesxwillsxbesxautomaticallys
xenrolledsxinsxMedicare,sxregardlesssxofsxage.
MildredsxSavagesxenrolledsxinsxAllcaresxMedicaresxAdvantagesxplansxseveralsxyearssxago.
sxMildredsxrecentlysxlearnedsxthatsxshesxissxsufferingsxfromsxinoperablesxcancersxandsxhassx
justsxasxfewsxmonthssxtosxlive.sxShesxwouldsxlikesxtosxspendsxthesesxfinalsxmonthssxinsxhospi
cesxcare.sxMildred'ssxfamilysxaskssxyousxwhethersxhospicesxbenefitssxwillsxbesxpaidsxforsxun
dersxthesxAllcaresxMedicaresxAdvantagesxplan.sxWhatsxshouldsxyousxsay?sx-sxANSWERS-
MildredsxmaysxremainsxenrolledsxinsxAllcaresxandsxmakesxasxhospicesxelection.sxHospicesx
benefitssxwillsxbesxpaidsxforsxbysxOriginalsxMedicaresxundersxPartsxAsxandsxAllcaresxwillsxcon
tinuesxtosxpaysxforsxanysxnon-hospicesxservices.
Mr.sxSchmidtsxwouldsxlikesxtosxplansxforsxretirementsxandsxhassxaskedsxyousxwhatsxissxcover
edsxundersxOriginalsxFee-for-Servicesx(FFS)sxMedicare.sxWhatsxcouldsxyousxtellsxhim?sx-
sxANSWERS-
PartsxA,sxwhichsxcoverssxhospital,sxskilledsxnursingsxfacility,sxhospice,sxandsxhomesxhealths
xservicessxandsxPartsxB,sxwhichsxcoverssxprofessionalsxservicessxsuchsxassxthosesxprovide
dsxbysxasxdoctorsxaresxcoveredsxundersxOriginalsxMedicare.
AgentsxJohnsxMillersxissxmeetingsxwithsxJerrysxSmith,sxasxnewsxprospect.sxJerrysxissxcurrentl
ysxenrolledsxinsxMedicaresxPartssxAsxandsxB.sxJerrysxhassxalsosxpurchasedsxasxMedicaresxS
upplementsx(Medigap)sxplansxwhichsxhesxhassxhadsxforsxseveralsxyears.sxHowever,sxthesxpl
ansxdoessxnotsxprovidesxdrugsxbenefits.sxHowsxwouldsxyousxadvisesxAgentsxJohnsxMillersxtos
xproceed?sx-sxANSWERS-
TellsxprospectsxJerrysxSmithsxthatsxhesxshouldsxconsidersxaddingsxasxstandalonesxPartsxDsx
prescriptionsxdrugsxcoveragesxpolicysxtosxhissxpresentsxcoverage.
Mr.sxDavissxissx52sxyearssxoldsxandsxhassxrecentlysxbeensxdiagnosedsxwithsxend-
stagesxrenalsxdiseasesx(ESRD)sxandsxwillsxsoonsxbeginsxdialysis.sxHesxissxwonderingsxifsxhe
sxcansxobtainsxcoveragesxundersxMedicare.sxWhatsxshouldsxyousxtellsxhim?sx-sxANSWERS-
,Hesxmaysxsign-
upsxforsxMedicaresxatsxanysxtimesxhoweversxcoveragesxusuallysxbeginssxonsxthesxfourthsxm
onthsxaftersxdialysissxtreatmentssxstart.
Mr.sxDiazsxcontinuedsxworkingsxwithsxhissxcompanysxandsxwassxinsuredsxundersxhissxempl
oyer'ssxgroupsxplansxuntilsxhesxreachedsxagesx68.sxHesxhassxheardsxthatsxtheresxissxasxpremi
umsxpenaltysxforsxthosesxwhosxdidsxnotsxsignsxupsxforsxPartsxBsxwhensxfirstsxeligiblesxandsxwa
ntssxtosxknowsxhowsxmuchsxhesxwillsxhavesxtosxpay.sxWhatsxshouldsxyousxtellsxhim?sx-
sxANSWERS-
Mr.sxDiazsxwillsxnotsxpaysxanysxpenaltysxbecausesxhesxhadsxcontinuoussxcoveragesxundersx
hissxemployer'ssxplan.
MadelinesxMartinezsxwassxwidowedsxseveralsxyearssxago.sxHersxhusbandsxworkedsxforsxm
anysxyearssxandsxcontributedsxintosxthesxMedicaresxsystem.sxHesxalsosxleftsxasxsubstantialsx
estatesxwhichsxprovidessxMadelinesxwithsxansxannualsxincomesxofsxapproximatelysx$130,0
00.sxMadeline,sxwhosxhassxonlysxworkedsxpart-
timesxforsxthesxlastsxthreesxyears,sxwillsxsoonsxturnsxagesx65sxandsxhopessxtosxenrollsxinsxOrig
inalsxMedicare.sxShesxcomessxtosxyousxforsxadvice.sxWhatsxshouldsxyousxtellsxher?sx-
sxANSWERS-
YousxshouldsxtellsxMadelinesxthatsxshesxwillsxbesxablesxtosxenrollsxinsxMedicaresxPartsxAsxwit
houtsxpayingsxmonthlysxpremiumssxduesxtosxhersxhusband'ssxlongsxworksxrecordsxandsxpart
icipationsxinsxthesxMedicaresxsystem.sxYousxshouldsxalsosxtellsxMadelinesxthatsxshesxwillsxpa
ysxPartsxBsxpremiumssxatsxmoresxthansxthesxstandardsxlowestsxratesxbutsxlesssxthansxthesxhi
ghestsxratesxduesxhersxsubstantialsxincome.
EdwardsxIPsxsufferedsxfromsxserioussxkidneysxdisease.sxAssxasxresult.sxEdwardsxbecamesx
eligiblesxforsxMedicaresxcoveragesxduesxtosxend-
stagesxrenalsxdiseasesx(ESRD).sxAsxclosesxrelativesxdonatedsxtheirsxkidneysxandsxEdwardsx
successfullysxunderwentsxtransplantsxsurgerysx12sxmonthssxago.sxEdwardsxissxnowsxagesx
50sxandsxaskssxyousxifsxhissxMedicaresxcoveragesxwillsxcontinue,sxwhatsxshouldsxyousxsay?s
x-sxANSWERS-
IndividualssxeligiblesxforsxMedicaresxbasedsxonsxESRDsxgenerallysxlosesxeligibilitysx36sxmo
nthssxaftersxthesxmonthsxinsxwhichsxthesxindividualsxreceivessxasxkidneysxtransplantsxunless
sxtheysxaresxeligiblesxforsxMedicaresxonsxanothersxbasissxsuchsxassxagesxorsxdisability.sxEdw
ardsxmay,sxhowever,sxremainsxenrolledsxinsxPartsxBsxbutsxsolelysxforsxcoveragesxofsximmun
osuppressivesxdrugssxifsxhesxhassxnosxothersxhealthsxcaresxcoveragesxthatsxwouldsxcoversxt
hesxdrugs.
Mrs.sxPeňasxissx66sxyearssxold,sxhassxcoveragesxundersxansxemployersxplan,sxandsxwillsxreti
resxnextsxyear.sxShesxheardsxshesxmustsxenrollsxinsxPartsxBsxatsxthesxbeginningsxofsxthesxyear
sxtosxensuresxnosxgapsxinsxcoverage.sxWhatsxcansxyousxtellsxher?sx-sxANSWERS-
Shesxmaysxenrollsxatsxanysxtimesxwhilesxshesxissxcoveredsxundersxhersxemployersxplan,sxbuts
xshesxwillsxhavesxasxspecialsxeight-
monthsxenrollmentsxperiodsxaftersxthesxlastsxmonthsxonsxhersxemployersxplansxthatsxdifferssx
fromsxthesxstandardsxgeneralsxenrollmentsxperiod,sxduringsxwhichsxshesxmaysxenrollsxinsxM
edicaresxPartsxB.
Mr.sxCapadonasxwouldsxlikesxtosxpurchasesxasxMedicaresxAdvantagesx(MA)sxplansxandsxasx
Medigapsxplansxtosxpicksxupsxcostssxnotsxcoveredsxbysxthatsxplan.sxWhatsxshouldsxyousxtellsx
him?sx-sxANSWERS-
, ItsxissxillegalsxforsxyousxtosxsellsxMr.sxCapadonasxasxMedigapsxplansxifsxhesxissxenrolledsxinsxan
sxMAsxplan,sxandsxbesides,sxMedigapsxonlysxworkssxwithsxOriginalsxMedicare.
Ms.sxHendersonsxbelievessxthatsxshesxwillsxqualifysxforsxMedicaresxCoveragesxwhensxshesx
turnssx65,sxwithoutsxpayingsxanysxpremiums,sxbecausesxshesxhassxbeensxworkingsxforsx40sx
yearssxandsxpayingsxMedicaresxtaxes.sxWhatsxshouldsxyousxtellsxher?sx-sxANSWERS-
TosxobtainsxPartsxBsxcoverage,sxshesxmustsxpaysxasxstandardsxmonthlysxpremium,sxthoughs
xitsxissxhighersxforsxindividualssxwithsxhighersxincomes.
Mrs.sxParksxissxansxelderlysxretiree.sxMrs.sxParksxhassxasxlowsxfixedsxincome.sxWhatsxcouldsx
yousxtellsxMrs.sxParksxthatsxmightsxbesxofsxassistance?sx-sxANSWERS-
ShesxshouldsxcontactsxhersxstatesxMedicaidsxagencysxtosxseesxifsxshesxqualifiessxforsxonesxo
fsxseveralsxprogramssxthatsxcansxhelpsxwithsxMedicaresxcostssxforsxwhichsxshesxissxresponsi
ble.
ShirlysxThomassxwassxenrolledsxinsxMedicaidsxduringsxthesxPublicsxHealthsxEmergencysx(P
HE).sxThissxcoveragesxhassxrecentlysxbeensxterminatedsxduesxtosxthesxendsxofsxthesxPHE.sx
WhilesxShirleysxwassxenrolledsxinsxMedicaid,sxshesxmissedsxansxopportunitysxtosxenrollsxinsx
MedicaresxandsxnowsxwantssxPartsxB.sxWhichsxofsxthesxfollowingsxstatementssxbestsxdescri
bessxShirley'ssxabilitysxtosxnowsxenrollsxinsxMedicaresxPartsxB?sx-sxANSWERS-
ShirleysxissxeligiblesxforsxasxSpecialsxEnrollmentsxPeriodsx(SEP)sxforsxupsxtosxsixsxmonthssxa
ftersxthesxterminationsxofsxhersxMedicaidsxcoverage.sxUndersxthissxSEP,sxShirleysxcansxcho
osesxretroactivesxcoveragesxbacksxtosxthesxdatesxofsxterminationsxfromsxMedicaidsxorsxcove
ragesxbeginningsxthesxmonthsxaftersxthesxmonthsxofsxenrollment.
Ms.sxMooresxplanssxtosxretiresxwhensxshesxturnssx65sxinsxasxfewsxmonths.sxShesxissxinsxexcell
entsxhealthsxandsxwillsxhavesxconsiderablesxincomesxwhensxshesxretires.sxShesxissxconcern
edsxthatsxhersxincomesxwillsxmakesxitsximpossiblesxforsxhersxtosxqualifysxforsxMedicare.sxWha
tsxcouldsxyousxtellsxhersxtosxaddresssxhersxconcern?sx-sxANSWERS-
Medicaresxissxasxprogramsxforsxpeoplesxagesx65sxorsxoldersxandsxthosesxundersxagesx65sxwit
hsxcertainsxdisabilities,sxend-
stagesxrenalsxdisease,sxandsxLousxGehrig'ssxdiseasesxsosxshesxwillsxbesxeligiblesxforsxMedic
are.
Mrs.sxGonzalezsxissxenrolledsxinsxOriginalsxMedicaresxandsxhassxasxMedigapsxpolicysxassxw
ell,sxbutsxitsxprovidessxnosxdrugsxcoverage.sxShesxwouldsxlikesxtosxkeepsxthesxcoveragesxshe
sxhassxbutsxreplacesxhersxexistingsxMedigapsxplansxwithsxonesxthatsxprovidessxdrugsxcovera
ge.sxWhatsxshouldsxyousxtellsxher?sx-sxANSWERS-
Mrs.sxGonzalezsxcannotsxpurchasesxasxMedigapsxplansxthatsxcoverssxdrugs,sxbutsxshesxcou
ldsxkeepsxhersxMedigapsxpolicysxandsxenrollsxinsxasxPartsxDsxprescriptionsxdrugsxplan.
Mrs.sxChensxwillsxbesx65sxsoon,sxhassxbeensxasxcitizensxforsxtwelvesxyears,sxhassxbeensxem
ployedsxfullsxtime,sxandsxpaidsxtaxessxduringsxthatsxentiresxperiod.sxShesxissxconcernedsxtha
tsxshesxwillsxnotsxqualifysxforsxcoveragesxundersxpartsxAsxbecausesxshesxwassxnotsxbornsxinsxt
hesxUnitedsxStates.sxWhatsxshouldsxyousxtellsxher?sx-sxANSWERS-
Mostsxindividualssxwhosxaresxcitizenssxandsxagesx65sxorsxoversxaresxcoveredsxundersxPartsx
AsxbysxvirtuesxofsxhavingsxpaidsxMedicaresxtaxessxwhilesxworking,sxthoughsxsomesxmaysxbes
xcoveredsxassxasxresultsxofsxpayingsxmonthlysxpremiums.
VERSION QUESTIONS WITH GOLDEN
TIPS SOLUTIONS AND REVEWEIRS
Mr.sxWusxissxeligiblesxforsxMedicare.sxHesxhassxlimitedsxfinancialsxresourcessxbutsxfailedsxtos
xqualifysxforsxthesxPartsxDsxlow-
incomesxsubsidy.sxWheresxmightsxhesxturnsxforsxhelpsxwithsxhissxprescriptionsxdrugsxcosts?s
x-sxANSWERS-
Mr.sxWusxmaysxstillsxqualifysxforsxhelpsxinsxpayingsxPartsxDsxcostssxthroughsxhissxStatesxPhar
maceuticalsxAssistancesxProgram.
Mr.sxBauersxissx49sxyearssxold,sxbutsxeighteensxmonthssxagosxhesxwassxdeclaredsxdisableds
xbysxthesxSocialsxSecuritysxAdministrationsxandsxhassxbeensxreceivingsxdisabilitysxpayment
s.sxHesxissxwonderingsxwhethersxhesxcansxobtainsxcoveragesxundersxMedicare.sxWhatsxsho
uldsxyousxtellsxhim?sx-sxANSWERS-
Aftersxreceivingsxsuchsxdisabilitysxpaymentssxforsx24sxmonths,sxhesxwillsxbesxautomaticallys
xenrolledsxinsxMedicare,sxregardlesssxofsxage.
MildredsxSavagesxenrolledsxinsxAllcaresxMedicaresxAdvantagesxplansxseveralsxyearssxago.
sxMildredsxrecentlysxlearnedsxthatsxshesxissxsufferingsxfromsxinoperablesxcancersxandsxhassx
justsxasxfewsxmonthssxtosxlive.sxShesxwouldsxlikesxtosxspendsxthesesxfinalsxmonthssxinsxhospi
cesxcare.sxMildred'ssxfamilysxaskssxyousxwhethersxhospicesxbenefitssxwillsxbesxpaidsxforsxun
dersxthesxAllcaresxMedicaresxAdvantagesxplan.sxWhatsxshouldsxyousxsay?sx-sxANSWERS-
MildredsxmaysxremainsxenrolledsxinsxAllcaresxandsxmakesxasxhospicesxelection.sxHospicesx
benefitssxwillsxbesxpaidsxforsxbysxOriginalsxMedicaresxundersxPartsxAsxandsxAllcaresxwillsxcon
tinuesxtosxpaysxforsxanysxnon-hospicesxservices.
Mr.sxSchmidtsxwouldsxlikesxtosxplansxforsxretirementsxandsxhassxaskedsxyousxwhatsxissxcover
edsxundersxOriginalsxFee-for-Servicesx(FFS)sxMedicare.sxWhatsxcouldsxyousxtellsxhim?sx-
sxANSWERS-
PartsxA,sxwhichsxcoverssxhospital,sxskilledsxnursingsxfacility,sxhospice,sxandsxhomesxhealths
xservicessxandsxPartsxB,sxwhichsxcoverssxprofessionalsxservicessxsuchsxassxthosesxprovide
dsxbysxasxdoctorsxaresxcoveredsxundersxOriginalsxMedicare.
AgentsxJohnsxMillersxissxmeetingsxwithsxJerrysxSmith,sxasxnewsxprospect.sxJerrysxissxcurrentl
ysxenrolledsxinsxMedicaresxPartssxAsxandsxB.sxJerrysxhassxalsosxpurchasedsxasxMedicaresxS
upplementsx(Medigap)sxplansxwhichsxhesxhassxhadsxforsxseveralsxyears.sxHowever,sxthesxpl
ansxdoessxnotsxprovidesxdrugsxbenefits.sxHowsxwouldsxyousxadvisesxAgentsxJohnsxMillersxtos
xproceed?sx-sxANSWERS-
TellsxprospectsxJerrysxSmithsxthatsxhesxshouldsxconsidersxaddingsxasxstandalonesxPartsxDsx
prescriptionsxdrugsxcoveragesxpolicysxtosxhissxpresentsxcoverage.
Mr.sxDavissxissx52sxyearssxoldsxandsxhassxrecentlysxbeensxdiagnosedsxwithsxend-
stagesxrenalsxdiseasesx(ESRD)sxandsxwillsxsoonsxbeginsxdialysis.sxHesxissxwonderingsxifsxhe
sxcansxobtainsxcoveragesxundersxMedicare.sxWhatsxshouldsxyousxtellsxhim?sx-sxANSWERS-
,Hesxmaysxsign-
upsxforsxMedicaresxatsxanysxtimesxhoweversxcoveragesxusuallysxbeginssxonsxthesxfourthsxm
onthsxaftersxdialysissxtreatmentssxstart.
Mr.sxDiazsxcontinuedsxworkingsxwithsxhissxcompanysxandsxwassxinsuredsxundersxhissxempl
oyer'ssxgroupsxplansxuntilsxhesxreachedsxagesx68.sxHesxhassxheardsxthatsxtheresxissxasxpremi
umsxpenaltysxforsxthosesxwhosxdidsxnotsxsignsxupsxforsxPartsxBsxwhensxfirstsxeligiblesxandsxwa
ntssxtosxknowsxhowsxmuchsxhesxwillsxhavesxtosxpay.sxWhatsxshouldsxyousxtellsxhim?sx-
sxANSWERS-
Mr.sxDiazsxwillsxnotsxpaysxanysxpenaltysxbecausesxhesxhadsxcontinuoussxcoveragesxundersx
hissxemployer'ssxplan.
MadelinesxMartinezsxwassxwidowedsxseveralsxyearssxago.sxHersxhusbandsxworkedsxforsxm
anysxyearssxandsxcontributedsxintosxthesxMedicaresxsystem.sxHesxalsosxleftsxasxsubstantialsx
estatesxwhichsxprovidessxMadelinesxwithsxansxannualsxincomesxofsxapproximatelysx$130,0
00.sxMadeline,sxwhosxhassxonlysxworkedsxpart-
timesxforsxthesxlastsxthreesxyears,sxwillsxsoonsxturnsxagesx65sxandsxhopessxtosxenrollsxinsxOrig
inalsxMedicare.sxShesxcomessxtosxyousxforsxadvice.sxWhatsxshouldsxyousxtellsxher?sx-
sxANSWERS-
YousxshouldsxtellsxMadelinesxthatsxshesxwillsxbesxablesxtosxenrollsxinsxMedicaresxPartsxAsxwit
houtsxpayingsxmonthlysxpremiumssxduesxtosxhersxhusband'ssxlongsxworksxrecordsxandsxpart
icipationsxinsxthesxMedicaresxsystem.sxYousxshouldsxalsosxtellsxMadelinesxthatsxshesxwillsxpa
ysxPartsxBsxpremiumssxatsxmoresxthansxthesxstandardsxlowestsxratesxbutsxlesssxthansxthesxhi
ghestsxratesxduesxhersxsubstantialsxincome.
EdwardsxIPsxsufferedsxfromsxserioussxkidneysxdisease.sxAssxasxresult.sxEdwardsxbecamesx
eligiblesxforsxMedicaresxcoveragesxduesxtosxend-
stagesxrenalsxdiseasesx(ESRD).sxAsxclosesxrelativesxdonatedsxtheirsxkidneysxandsxEdwardsx
successfullysxunderwentsxtransplantsxsurgerysx12sxmonthssxago.sxEdwardsxissxnowsxagesx
50sxandsxaskssxyousxifsxhissxMedicaresxcoveragesxwillsxcontinue,sxwhatsxshouldsxyousxsay?s
x-sxANSWERS-
IndividualssxeligiblesxforsxMedicaresxbasedsxonsxESRDsxgenerallysxlosesxeligibilitysx36sxmo
nthssxaftersxthesxmonthsxinsxwhichsxthesxindividualsxreceivessxasxkidneysxtransplantsxunless
sxtheysxaresxeligiblesxforsxMedicaresxonsxanothersxbasissxsuchsxassxagesxorsxdisability.sxEdw
ardsxmay,sxhowever,sxremainsxenrolledsxinsxPartsxBsxbutsxsolelysxforsxcoveragesxofsximmun
osuppressivesxdrugssxifsxhesxhassxnosxothersxhealthsxcaresxcoveragesxthatsxwouldsxcoversxt
hesxdrugs.
Mrs.sxPeňasxissx66sxyearssxold,sxhassxcoveragesxundersxansxemployersxplan,sxandsxwillsxreti
resxnextsxyear.sxShesxheardsxshesxmustsxenrollsxinsxPartsxBsxatsxthesxbeginningsxofsxthesxyear
sxtosxensuresxnosxgapsxinsxcoverage.sxWhatsxcansxyousxtellsxher?sx-sxANSWERS-
Shesxmaysxenrollsxatsxanysxtimesxwhilesxshesxissxcoveredsxundersxhersxemployersxplan,sxbuts
xshesxwillsxhavesxasxspecialsxeight-
monthsxenrollmentsxperiodsxaftersxthesxlastsxmonthsxonsxhersxemployersxplansxthatsxdifferssx
fromsxthesxstandardsxgeneralsxenrollmentsxperiod,sxduringsxwhichsxshesxmaysxenrollsxinsxM
edicaresxPartsxB.
Mr.sxCapadonasxwouldsxlikesxtosxpurchasesxasxMedicaresxAdvantagesx(MA)sxplansxandsxasx
Medigapsxplansxtosxpicksxupsxcostssxnotsxcoveredsxbysxthatsxplan.sxWhatsxshouldsxyousxtellsx
him?sx-sxANSWERS-
, ItsxissxillegalsxforsxyousxtosxsellsxMr.sxCapadonasxasxMedigapsxplansxifsxhesxissxenrolledsxinsxan
sxMAsxplan,sxandsxbesides,sxMedigapsxonlysxworkssxwithsxOriginalsxMedicare.
Ms.sxHendersonsxbelievessxthatsxshesxwillsxqualifysxforsxMedicaresxCoveragesxwhensxshesx
turnssx65,sxwithoutsxpayingsxanysxpremiums,sxbecausesxshesxhassxbeensxworkingsxforsx40sx
yearssxandsxpayingsxMedicaresxtaxes.sxWhatsxshouldsxyousxtellsxher?sx-sxANSWERS-
TosxobtainsxPartsxBsxcoverage,sxshesxmustsxpaysxasxstandardsxmonthlysxpremium,sxthoughs
xitsxissxhighersxforsxindividualssxwithsxhighersxincomes.
Mrs.sxParksxissxansxelderlysxretiree.sxMrs.sxParksxhassxasxlowsxfixedsxincome.sxWhatsxcouldsx
yousxtellsxMrs.sxParksxthatsxmightsxbesxofsxassistance?sx-sxANSWERS-
ShesxshouldsxcontactsxhersxstatesxMedicaidsxagencysxtosxseesxifsxshesxqualifiessxforsxonesxo
fsxseveralsxprogramssxthatsxcansxhelpsxwithsxMedicaresxcostssxforsxwhichsxshesxissxresponsi
ble.
ShirlysxThomassxwassxenrolledsxinsxMedicaidsxduringsxthesxPublicsxHealthsxEmergencysx(P
HE).sxThissxcoveragesxhassxrecentlysxbeensxterminatedsxduesxtosxthesxendsxofsxthesxPHE.sx
WhilesxShirleysxwassxenrolledsxinsxMedicaid,sxshesxmissedsxansxopportunitysxtosxenrollsxinsx
MedicaresxandsxnowsxwantssxPartsxB.sxWhichsxofsxthesxfollowingsxstatementssxbestsxdescri
bessxShirley'ssxabilitysxtosxnowsxenrollsxinsxMedicaresxPartsxB?sx-sxANSWERS-
ShirleysxissxeligiblesxforsxasxSpecialsxEnrollmentsxPeriodsx(SEP)sxforsxupsxtosxsixsxmonthssxa
ftersxthesxterminationsxofsxhersxMedicaidsxcoverage.sxUndersxthissxSEP,sxShirleysxcansxcho
osesxretroactivesxcoveragesxbacksxtosxthesxdatesxofsxterminationsxfromsxMedicaidsxorsxcove
ragesxbeginningsxthesxmonthsxaftersxthesxmonthsxofsxenrollment.
Ms.sxMooresxplanssxtosxretiresxwhensxshesxturnssx65sxinsxasxfewsxmonths.sxShesxissxinsxexcell
entsxhealthsxandsxwillsxhavesxconsiderablesxincomesxwhensxshesxretires.sxShesxissxconcern
edsxthatsxhersxincomesxwillsxmakesxitsximpossiblesxforsxhersxtosxqualifysxforsxMedicare.sxWha
tsxcouldsxyousxtellsxhersxtosxaddresssxhersxconcern?sx-sxANSWERS-
Medicaresxissxasxprogramsxforsxpeoplesxagesx65sxorsxoldersxandsxthosesxundersxagesx65sxwit
hsxcertainsxdisabilities,sxend-
stagesxrenalsxdisease,sxandsxLousxGehrig'ssxdiseasesxsosxshesxwillsxbesxeligiblesxforsxMedic
are.
Mrs.sxGonzalezsxissxenrolledsxinsxOriginalsxMedicaresxandsxhassxasxMedigapsxpolicysxassxw
ell,sxbutsxitsxprovidessxnosxdrugsxcoverage.sxShesxwouldsxlikesxtosxkeepsxthesxcoveragesxshe
sxhassxbutsxreplacesxhersxexistingsxMedigapsxplansxwithsxonesxthatsxprovidessxdrugsxcovera
ge.sxWhatsxshouldsxyousxtellsxher?sx-sxANSWERS-
Mrs.sxGonzalezsxcannotsxpurchasesxasxMedigapsxplansxthatsxcoverssxdrugs,sxbutsxshesxcou
ldsxkeepsxhersxMedigapsxpolicysxandsxenrollsxinsxasxPartsxDsxprescriptionsxdrugsxplan.
Mrs.sxChensxwillsxbesx65sxsoon,sxhassxbeensxasxcitizensxforsxtwelvesxyears,sxhassxbeensxem
ployedsxfullsxtime,sxandsxpaidsxtaxessxduringsxthatsxentiresxperiod.sxShesxissxconcernedsxtha
tsxshesxwillsxnotsxqualifysxforsxcoveragesxundersxpartsxAsxbecausesxshesxwassxnotsxbornsxinsxt
hesxUnitedsxStates.sxWhatsxshouldsxyousxtellsxher?sx-sxANSWERS-
Mostsxindividualssxwhosxaresxcitizenssxandsxagesx65sxorsxoversxaresxcoveredsxundersxPartsx
AsxbysxvirtuesxofsxhavingsxpaidsxMedicaresxtaxessxwhilesxworking,sxthoughsxsomesxmaysxbes
xcoveredsxassxasxresultsxofsxpayingsxmonthlysxpremiums.
