AHIP BUNDLED EXAMS COMPLETE EXAM
SCRIPT WITH QUESTIONS AND SOLUTIONS
◉ 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?
Answer: 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.
◉ 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
Answer: After receiving such disability payments for 24 months, he
will be automatically enrolled in Medicare, regardless of age.
,◉ 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?
Answer: 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.
◉ Mrs. Pena is 66 years old, has coverage under an employer plan,
and will retire next year. She heard she must enroll in Part B at the
beginning of the year to ensure no gap in coverage. What can you tell
her?
Answer: She may enroll at any time while she is covered under her
employer plan, but she will have a special eight month enrollment
period that differs from the standard general enrollment period,
during which she may enroll in Medicare Part B.
◉ 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?
Answer: Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present
coverage.
, ◉ 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?
Answer: The penalty will be a permanent 10% increase in his Part B
premium for every 12-month period that passed during which he
could have enrolled and did not.
◉ 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?
Answer: 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.
◉ Mildred Savage enrolled in Allcare Medicare Advantage plan
several years ago. Mildred recently learned that she is suffering from
inoperable cancer and has just a few months to live. She would like
to spend these final months in hospice care. Mildred's family asks
you whether hospice benefits will be paid for under the Allcare
Medicare Advantage plan. What should you say?
Answer: Mildred may remain enrolled in Allcare and make a hospice
election. Hospice benefits will be paid for by Original Medicare
SCRIPT WITH QUESTIONS AND SOLUTIONS
◉ 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?
Answer: 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.
◉ 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
Answer: After receiving such disability payments for 24 months, he
will be automatically enrolled in Medicare, regardless of age.
,◉ 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?
Answer: 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.
◉ Mrs. Pena is 66 years old, has coverage under an employer plan,
and will retire next year. She heard she must enroll in Part B at the
beginning of the year to ensure no gap in coverage. What can you tell
her?
Answer: She may enroll at any time while she is covered under her
employer plan, but she will have a special eight month enrollment
period that differs from the standard general enrollment period,
during which she may enroll in Medicare Part B.
◉ 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?
Answer: Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present
coverage.
, ◉ 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?
Answer: The penalty will be a permanent 10% increase in his Part B
premium for every 12-month period that passed during which he
could have enrolled and did not.
◉ 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?
Answer: 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.
◉ Mildred Savage enrolled in Allcare Medicare Advantage plan
several years ago. Mildred recently learned that she is suffering from
inoperable cancer and has just a few months to live. She would like
to spend these final months in hospice care. Mildred's family asks
you whether hospice benefits will be paid for under the Allcare
Medicare Advantage plan. What should you say?
Answer: Mildred may remain enrolled in Allcare and make a hospice
election. Hospice benefits will be paid for by Original Medicare
