Brand New 2023 AHIP Final Exam With 100% Correct Questions and Answers Rated A+

Brand New 2023 AHIP Final Exam With 100% Correct Questions and Answers Rated A+ 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? Medicare Supplemental Insurance would help cover his Part A and Part Bcost sharing in Original Fee-forService (FFS) Medicare as well as possibly some services that Medicare does not cover. Mrs. McIntire is enrolled in her state’s Medicaid plan and has just becomeeligible for Medicare as well. What can she expect will happen with respect to her drug coverage? Unless she chooses a Medicare Part D prescription drug plan on her own,she will be automatically enrolled in one available in her area. Mrs. Young is currently enrolled in Original Medicare (Parts A and B), but she has been working with Agent Neil Adams in the selection of a Medicare Advantage (MA) plan. It is mid-September, and Mrs. Young is going on vacation. Agent Adams is considering suggesting that he and Mrs. Young complete the application together before she leaves. He willthen submit the paper application prior the start of the annual enrollmentperiod (AEP). What would you say If you were advising Agent Adams? This is a bad idea. Agents are generally prohibited from soliciting or accepting an enrollment form prior to the start of the AEP. Another agent working for your agency claims that because you are not employed by the Medicare Advantage plans that you represent, you are not subject to the same requirements as the plans themselves. How shouldyou respond to such a statement? Your coworker is not correct. Marketing on behalf of a plan is consideredmarketing by the plan and requires that all contracted and employed agents comply with all Medicare marketing rules. 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. 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 tellher? Medicare does not cover acupuncture, or, in general, glasses or dentures. 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. Since 2004 Ms. Eisenberg has had a Medigap plan that provides somedrug coverage. She has received a letter from her Medigap carrier informing her that her drug coverage is not “creditable.” She wants toknow what this means. What should you tell her? Medigap plan does not offer drug coverage that is at least comparable to The letter is to inform her that the drug coverage offered through her that provided under the Medicare Part D prescription drug program. If she does not have such creditable coverage during periods when she is eligible for the Part D program, she will face a premium penalty if she enrolls a Part D plan at a later date 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? Medicare Supplemental Insurance would help cover his Part A and Part Bcost sharing in Original Fee-forService (FFS) Medicare as well as possibly some services that Medicare does not cover. Mrs. McIntire is enrolled in her state’s Medicaid plan and has just becomeeligible for Medicare as well. What can she expect will happen with respect to her drug coverage? Unless she chooses a Medicare Part D prescription drug plan on her own,she will be automatically enrolled in one available in her area. Mrs. Young is currently enrolled in Original Medicare (Parts A and B), but she has been working with Agent Neil Adams in the selection of a Medicare Advantage (MA) plan. It is mid-September, and Mrs. Young is going on vacation. Agent Adams is considering suggesting that he and Mrs. Young complete the application together before she leaves. He willthen submit the paper application prior the start of the annual enrollmentperiod (AEP). What would you say If you were advising Agent Adams? This is a bad idea. Agents are generally prohibited from soliciting or accepting an enrollment form prior to the start of the AEP. Another agent working for your agency claims that because you are not employed by the Medicare Advantage plans that you represent, you are not subject to the same requirements as the plans themselves. How shouldyou respond to such a statement? Your coworker is not correct. Marketing on behalf of a plan is consideredmarketing by the plan and requires that all contracted and employed agents comply with all Medicare marketing rules. 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. 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 tellher? Medicare does not cover acupuncture, or, in general, glasses or dentures. 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. Since 2004 Ms. Eisenberg has had a Medigap plan that provides somedrug coverage. She has received a letter from her Medigap carrier informing her that her drug coverage is not “creditable.” She wants toknow what this means. What should you tell her? Medigap plan does not offer drug coverage that is at least comparable to The letter is to inform her that the drug coverage offered through her that provided under the Medicare Part D prescription drug program. If she does not have such creditable coverage during periods when she is eligible for the Part D program, she will face a premium penalty if she enrolls a Part D plan at a later