AHIP Medicare Training Reviewed Questions with Elaborated Answers 2023

AHIP Medicare Training Reviewed Questions with Elaborated Answers 2023 What impact, if any, have recent regulatory changes had upon Medigap plans? A. The Part A deductible is no longer covered under Medigap plans for all enrollees starting January 1, 2020. B. The Part A deductible is no longer covered for individuals newly eligible for Medicare starting January 1, 2020. C. The Part B deductible is no longer covered for individuals newly eligible for Medicare starting January 1, 2020. D. The Part B deductible is now covered for some newly eligible individuals depending on their financial status. C. The Part B deductible is no longer covered for individuals newly eligible for Medicare starting January 1, 2020. Explanation: Starting January 1, 2020, Medigap plans sold to individuals who are newly eligible to Medicare are no longer allowed to cover the Part B deductible. If an individual already had one of the plans before January 1, 2020, they can keep their plan. If an individual was eligible for Medicare before January 1, 2020, but are not yet enrolled, he or she may be able to purchase one of these plans. 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? A. Part D covers hospital and home health services and the cost-sharing has changed this year. B. Part D covers physician and non-physician practitioner services and the deductible has not changed this year, but the physician charges may go up. C. 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. D. Part D covers long-term care services and she shouldn't worry because there has been no change in coverage. C. 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. Explanation: Part D provides prescription drug coverage. Premiums, plan formularies, and cost-sharing, among other factors, may change from one plan year to another. 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? A. Medicare will cover an unlimited number of days in a skilled-nursing facility, as long as a physician certifies that such care is needed. B. Mrs. Shields will have to apply for Medicaid to have her skilled nursing services covered because Medicare does not provide such a benefit. C. Once she has expended her liquid assets, Medicare will cover 80% of Mrs. Shield's long-term care costs. D. 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. D. 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. Explanation: Mrs. Shields has experienced a long hospital stay, over the 3-day time period to qualify for skilled nursing and rehabilitative care benefits under Medicare.