Ms. Moore plans to retire when she turns 65 in a few
months. She is in excellent health and will have Medicare is a program for people 65 or older
considerable income when she retires. She is and those under the age 65 with certain
concerned that her income will make it impossible for disabilities, end-stage renal disease, and Lou
her to qualify for Medicare. What could you tell her to Gehrig’s disease so she will be eligible for
address her concern? Medicare.
Mr. Schmidt would like to plan for retirement and has
asked you what is covered under Original Fee-for- Part A, which covers hospital, skilled nursing
Service (FFS) Medicare? What could you tell him? 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.
Mr. Hernandez is concerned that if he signs up for a
Medicare Advantage plan, the health plan may, at some Medicare Advantage plans must cover all
time in the future, reduce his benefits below what is benefits available under Medicare Part A
available in Original Medicare. What should you tell and Part B. Many also cover Part D
him about his concern? prescription drugs.
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Mrs. Roberts has just received a new Medicare identity
card in the mail. She is concerned that it is a forgery The card she received is valid, the change
since it does not have her Social Security number on has been made to protect Medicare
it. What should you tell her? beneficiaries from identity theft, and she
should now destroy her old card.
Mrs. Willard wants to know generally how the benefits
under Medicare Health Plans may offer extra
Original Medicare might compare to the benefit benefits that Original Medicare does not
package of a Medicare Health Plan before she starts offer such as vision, hearing, and dental
looking at specific plans. What could you tell her? services and must include a maximum out-
of-pocket limit on Part A and Part B
services.
Mr. Moy’s wife has a Medicare Advantage plan, but he
wants to understand what coverage Medicare Medicare Supplemental Insurance would
Supplemental Insurance provides since his health help cover his Part A and Part B cost sharing
care needs are different from his wife’s needs. What in Original Feefor-Service (FFS) Medicare as
could you tell Mr. Moy? well as possibly some services that Medicare
does not cover.