Module 1- Final Review Complete Answers

Module 1- Final Review Complete Answers Question 1: Mr. Moy wants to understand what Medicare Supplemental Insurance (Medigap) covers, as his healthcare needs differ from his wife's. What can you tell him? Answer: Medigap helps cover Part A and Part B cost-sharing in Original Medicare, as well as possibly some services that Medicare doesn't cover. Question 2: Mr. Schmidt is planning for retirement and wants to know what's covered under Original Fee-for-Service (FFS) Medicare. What can you tell him? Answer: Part A and Part B are covered under Original Medicare, including hospital, skilled nursing facility, hospice, and home health services, as well as professional services from doctors. Question 3: Anita Magri is turning 65 and wants to enroll in a Medigap plan. Her neighbor Mel has told her about Medigap Plan F. What should you tell her? Answer: You should tell Anita that Medigap Plan F is no longer available to those who turn age 65 after January 1, 2020. Instead, she can consider other Medigap plans that offer foreign travel benefits but do not cover the Part B deductible. Question 4: Juan Perez is turning 65 and working for Smallcap, Incorporated. He's wondering if he'll be entitled to Medicare and how it will impact his employer-sponsored healthcare coverage. How would you respond? Answer: You should tell Juan that he'll be eligible for Medicare once he turns 65, and if he enrolls, Medicare will become the primary payer of his healthcare claims, and Smallcap won't have to continue offering him coverage comparable to those under 65 under its employer-sponsored group health plan. Mrs. Quinn recently turned 66 and decided after many years of work to begin receiving Social Security benefits. Shortly thereafter Mrs. Quinn received a letter informing her that she has been automatically enrolled in Medicare Part B. She wants to understand what this means. What should you tell Mrs. Quinn? a. She will need to pay no premiums for Part B as she qualifies for premium-free coverage due to the number of quarters she has worked. b. She should disenroll if she does not want to pay the monthly premiums. There is no disadvantage in doing so. c. Part B will cover her dental and vision needs. d. Part B primarily covers physician services. She will be paying a monthly premium and, with the exception of many preventive and screening tests, generally will have 20% coinsurance for these services, in addition to an annual deductible. ️d. Part B primarily covers physician services. She will be paying a monthly premium and, with the exception of many preventive and screening tests, generally will have 20% coinsurance for these services, in addition to an annual deductible. Correct: Medicare Part B primarily covers physician services. Enrollees pay a monthly premium based on their income level and have 20 percent coinsurance cost-sharing with the exception of preventive benefits. Mrs. Turner is comparing her employer's retiree insurance to Original Medicare and would like to know which of the following services Original Medicare will cover if the appropriate criteria are met? What could you tell her? a. Original Medicare covers ambulance services. b. Original Medicare covers cosmetic surgery. c. Original Medicare covers routine dental care. d. Original Medicare covers routine long-term custodial care. ️a. Original Medicare covers ambulance services. Correct: Original Medicare does cover ambulance services.