AHIP Exam | Questions & 100% Correct Answers (Verified) | Latest Update | Grade A+

Mrs. Chou likes a PFFS plan available in her area that does not offer drug coverage. She wants to enroll in the plan and enroll in a stand-alone prescription drug plan. What should you tell her? Correct Answer: She could enroll in a PFFS plan and a stand-alone Medicare prescription drug plan. 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? Correct Answer: 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. Mr. Moreno invited his neighbor, Agent Tom Smith, to discuss Medicare Advantage (MA) and Part D plans that Agent Smith sells at the regular Tuesday brunch the neighbors have for senior citizens. What should Agent Smith tell Mr. Moreno about the 2 kinds of food that can be provided to potential enrollees who attend the sales presentation? Correct Answer: A meal cannot be provided, but light snacks would be permitted. Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be hospitalized. What should you tell Mr. Rainey (or his representative) about the length of an inpatient psychiatric hospital stay that Medicare will cover? Correct Answer: Medicare will cover a total of 190 days of inpatient psychiatric care during Mr. Rainey's entire lifetime. 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? Correct Answer: He could check with the manufacturers of his medications to see if they offer an assistance program to help people with limited means to obtain the medications they need. Alternately, he could check to see whether his state has a pharmacy assistance program to help him with expenses. Mr. Wong is a single individual. He has a successful business career and is now able to retire with a comfortable income. Mr. Wong's taxable income is in excess of $80,000. Mr. Wong has health coverage through his employer but will sign-up for Medicare Part 3 A, Part B and Part D when he leaves the workforce. How would you advise him as he budgets for Medicare premiums? Correct Answer: Due to his participation in the workforce he will not have to pay a premium for Part A but he will pay higher premiums for Part B and Part D due to the amount of his income. During an appointment scheduled to discuss a Medicare Advantage Prescription Drug plan (MA-PD), Mr. Peters asked his agent to describe a stand-alone prescription drug plan (Part D plan) that his neighbor told him about. What should his agent do? Correct Answer: Since Mr. Peters requested a description of the Part D plan, his agent must have Mr. Peters sign a new scope of appointment form that includes Part D, and then the agent may discuss the Part D plan so Mr. Peters can compare plans and make an informed enrollment choice during the appointment. By contacting plans available in your area, you have learned that the plan you represent has a significantly lower monthly premium than the others. Furthermore, you see that the plan you represent has a unique benefit package. What should you do to make sure your clients know about these pieces of information? Correct Answer: You may make comparisons between plans if you can support them by studies or statistical data and such comparisons are factually based. Mrs. Fields wants to know whether applying for the Part D low income subsi