2024 AHIP MODULE 1 EXAM WITH
VALID ANSWERS
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-ANSWERSc. 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. Correct
Mrs. Paterson is concerned about the deductibles and co-payments
associated with Original Medicare. What can you tell her about Medigap as
an option to address this concern? - CORRECT-ANSWERSa. Medigap plans
help beneficiaries cover coinsurance, co-payments, and/or deductibles for
medically necessary services. Correct
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as
well, but it provides no drug coverage. She would like to keep the coverage
she has, but replace her existing Medigap plan with one that provides drug
coverage. What should you tell her? - CORRECT-ANSWERSa. Mrs. Gonzalez
cannot purchase a Medigap plan that covers drugs, but she could keep her
Medigap policy and enroll in a Part D prescription drug plan. Correct
Mr. Kelly has substantial financial means. He enrolled in Original Medicare
and purchased a Medigap policy many years ago that offered prescription
drug coverage. The prescription drug coverage has not been comparable to
that offered by Medicare Part D for several years and despite notification, Mr.
Kelly took no action. Which of the following statements best describes what
will occur if Mr. Kelly now decides to enroll in Medicare Part D? - CORRECT-
ANSWERSa. He will incur a late enrollment penalty. Correct
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a
Medigap plan to pick up costs not covered by that plan. What should you tell
him? - CORRECT-ANSWERSb. It is illegal for you to sell Mr. Capadona a
Medigap plan if he is enrolled in an MA plan, and besides, Medigap only
works with Original Medicare. Correct
What impact, if any, will the Medicare Access and CHIP Reauthorization Act
of 2015 (MACRA) have upon Medigap plans? - CORRECT-ANSWERSd. The Part
, B deductible will no longer be covered for individuals newly eligible for
Medicare starting January 1, 2020. Correct
Mr. Schmidt would like to plan for retirement and has asked you what is
covered under Original Fee-for-Service (FFS) Medicare? What could you tell
him? - CORRECT-ANSWERSd. Part A, which covers hospital, skilled nursing
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. Correct
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage
plan, the health plan may, at some time in the future, reduce his benefits
below what is available in Original Medicare. What should you tell him about
his concern? - CORRECT-ANSWERSa. Medicare health plans must cover all
benefits available under Medicare Part A and Part B. Many also cover Part D
prescription drugs. Correct
Mrs. Willard wants to know generally how the benefits under Original
Medicare might compare to the benefit package of a Medicare Health Plan
before she starts looking at specific plans. What could you tell her? -
CORRECT-ANSWERSa. Medicare Health Plans may offer extra benefits that
Original Medicare does not offer such as vision, hearing, and dental services
and must include a maximum out-of-pocket limit on Part A and Part B
services. Correct
Mrs. Lyons is in good health, uses a single prescription, and lives
independently in her own home. She is attracted by the idea of maintaining
control over a Medical Savings Account (MSA), but is not sure if the plan
associated with the account will fit her needs. What specific piece of
information about a Medicare MSA plan would it be important for her to
know, prior to enrolling in such a plan? - CORRECT-ANSWERSa. All MSAs
cover Part A and Part B benefits, but not Part D prescription drug benefits,
which could be obtained by also enrolling in a separate prescription drug
plan. Correct
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been
employed full time, and paid taxes during that entire period. She is
concerned that she will not qualify for coverage under part A because she
was not born in the United States. What should you tell her?
Choose one answer.
a. Most individuals who are citizens and over age 65 are covered under Part
A by virtue of having paid Medicare taxes while working, though some may
be covered as a result of paying monthly premiums.
VALID ANSWERS
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-ANSWERSc. 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. Correct
Mrs. Paterson is concerned about the deductibles and co-payments
associated with Original Medicare. What can you tell her about Medigap as
an option to address this concern? - CORRECT-ANSWERSa. Medigap plans
help beneficiaries cover coinsurance, co-payments, and/or deductibles for
medically necessary services. Correct
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as
well, but it provides no drug coverage. She would like to keep the coverage
she has, but replace her existing Medigap plan with one that provides drug
coverage. What should you tell her? - CORRECT-ANSWERSa. Mrs. Gonzalez
cannot purchase a Medigap plan that covers drugs, but she could keep her
Medigap policy and enroll in a Part D prescription drug plan. Correct
Mr. Kelly has substantial financial means. He enrolled in Original Medicare
and purchased a Medigap policy many years ago that offered prescription
drug coverage. The prescription drug coverage has not been comparable to
that offered by Medicare Part D for several years and despite notification, Mr.
Kelly took no action. Which of the following statements best describes what
will occur if Mr. Kelly now decides to enroll in Medicare Part D? - CORRECT-
ANSWERSa. He will incur a late enrollment penalty. Correct
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a
Medigap plan to pick up costs not covered by that plan. What should you tell
him? - CORRECT-ANSWERSb. It is illegal for you to sell Mr. Capadona a
Medigap plan if he is enrolled in an MA plan, and besides, Medigap only
works with Original Medicare. Correct
What impact, if any, will the Medicare Access and CHIP Reauthorization Act
of 2015 (MACRA) have upon Medigap plans? - CORRECT-ANSWERSd. The Part
, B deductible will no longer be covered for individuals newly eligible for
Medicare starting January 1, 2020. Correct
Mr. Schmidt would like to plan for retirement and has asked you what is
covered under Original Fee-for-Service (FFS) Medicare? What could you tell
him? - CORRECT-ANSWERSd. Part A, which covers hospital, skilled nursing
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. Correct
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage
plan, the health plan may, at some time in the future, reduce his benefits
below what is available in Original Medicare. What should you tell him about
his concern? - CORRECT-ANSWERSa. Medicare health plans must cover all
benefits available under Medicare Part A and Part B. Many also cover Part D
prescription drugs. Correct
Mrs. Willard wants to know generally how the benefits under Original
Medicare might compare to the benefit package of a Medicare Health Plan
before she starts looking at specific plans. What could you tell her? -
CORRECT-ANSWERSa. Medicare Health Plans may offer extra benefits that
Original Medicare does not offer such as vision, hearing, and dental services
and must include a maximum out-of-pocket limit on Part A and Part B
services. Correct
Mrs. Lyons is in good health, uses a single prescription, and lives
independently in her own home. She is attracted by the idea of maintaining
control over a Medical Savings Account (MSA), but is not sure if the plan
associated with the account will fit her needs. What specific piece of
information about a Medicare MSA plan would it be important for her to
know, prior to enrolling in such a plan? - CORRECT-ANSWERSa. All MSAs
cover Part A and Part B benefits, but not Part D prescription drug benefits,
which could be obtained by also enrolling in a separate prescription drug
plan. Correct
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been
employed full time, and paid taxes during that entire period. She is
concerned that she will not qualify for coverage under part A because she
was not born in the United States. What should you tell her?
Choose one answer.
a. Most individuals who are citizens and over age 65 are covered under Part
A by virtue of having paid Medicare taxes while working, though some may
be covered as a result of paying monthly premiums.
