AHIP 2024 FINAL EXAM 100% VERIFIED
ANSWERS 2024-2025 GUARANTEED A+ GUIDE
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal
F F F F F F F F F F F F F
disease (ESRD) and will soon begin dialysis. He is wondering if he can obtain
F F F F F F F F F F F F F F
coverage under Medicare. What should you tell him? He may sign-up for
F F F F F F F F F F F
Medicare at any time however coverage usually begins on the fourth month after
F F F F F F F F F F F F
dialysis treatments start.
F F F
Juan Perez, who is turning age 65 next month, intends to work for several more
F F F F F F F F F F F F F F
Fyears at Smallcap, Incorporated. Smallcap has a workforce of15 employees and
F F F F F F F F F F
Foffers employer-sponsored healthcare coverage. Juan is a naturalized citizen and
F F F F F F F F F
Fhas contributed to the Medicare system for over 20 years. Juan asks you if he will
F F F F F F F F F F F F F F F
be entitled to Medicare and if he enrolls how that will impact his
F F F F F F F F F F F F F
employersponsored healthcare coverage. How would you respond? Juan is likely F F F F F F F F F
to be eligible for Medicare once he turns age 65 and if he enrolls Medicare would
F F F F F F F F F F F F F F F F
become the primary payor of his healthcare claims and Smallcap does not have to
F F F F F F F F F F F F F F
continue to offer him coverage comparable to those under age 65 under its
F F F F F F F F F F F F F
employer-sponsored group health plan. F F F
Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what
F F F F F F F F F F F F F
coverage Medicare Supplemental Insurance provides since his health care needs
F F F F F F F F F F
are different from his wife's needs. What could you tell Mr. Moy? Medicare
F F F F F F F F F F F F
Supplemental Insurance would help cover his Part A and Part B deductibles or
F F F F F F F F F F F F F
coinsurance in Original Fee-for-Service (FFS) Medicare as well as possibly some
F F F F F F F F F F F
services that Medicare does not cover.
F F F F F F
Mrs. Peňa is 66 years old, has coverage under an employer plan, and will retire
F F F F F F F F F F F F F F
next year. She heard she must enroll in Part B at the beginning of the year to
F F F F F F F F F F F F F F F F F
ensure no gap in coverage. What can you tell her? She may enroll at any time
F F F F F F F F F F F F F F
while she is covered under her employer plan, but she will have a special eight-
F F F F F F F F F F F F F F F
month enrollment period after the last month on her employer plan that differs
F F F F F F F F F F F F F
from the standard general enrollment period, during which she may enroll in
F F F F F F F F F F F F
Medicare Part B.
F F F
,Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed
F F F F F F F F F F F F F F F
full time, and paid taxes during that entire period. She is concerned that she will
F F F F F F F F F F F F F F F
not qualify for coverage under part A because she was not born in the United
F F F F F F F F F F F F F F F
States. What should you tell her? Most individuals who are citizens and age 65 or
F F F F F F F F F F F F F F
over are covered under Part A by virtue of having paid Medicare taxes while
F F F F F F F F F F F F F F
working, though some may be covered as a result of paying monthly premiums.
F F F F F F F F F F F F F
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well,
F F F F F F F F F F F F F
but it provides no drug coverage. She would like to keep the coverage she has but
F F F F F F F F F F F F F F F F
replace her existing Medigap plan with one that provides drug coverage. What
F F F F F F F F F F F F
should you tell her? Mrs. Gonzalez cannot purchase a Medigap plan that covers
F F F F F F F F F F F F
drugs, but she could keep her Medigap policy and enroll in a Part D prescription
F F F F F F F F F F F F F F F
drug plan.
F F
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
F F F F F F F F F F F
from arthritis through massage therapy. She is concerned about whether or not
F F F F F F F F F F F F
Medicare will cover these items and services. What should you tell her?
F F F F F F F F F F F F
Medicare does not cover massage therapy, or, in general, glasses or dentures.
F F F F F F F F F F F
Mr. Patel is in good health and is preparing a budget in anticipation of his
F F F F F F F F F F F F F F
retirement when he turns 66. He wants to understand the health care costs he
F F F F F F F F F F F F F
might be exposed to under Medicare if he were to require hospitalization as a
F F F F F F F F F F F F F F
Fresult of an illness. In general terms, what could you tell him about his costs for
F F F F F F F F F F F F F F F
inpatient hospital services
F F F
under Original Medicare? Under Original Medicare, there is a single deductible
F F F F F F F F F
amount due for the first 60 days of any inpatient hospital stay, after which it
F F F F F F F F F F F F F F F
Fconverts into a per-day coinsurance amount through day 90. After day 90, he
F F F F F F F F F F F F
Fwould pay a daily amount up to 60 days over his lifetime, after which he would be
F F F F F F F F F F F F F F F F
responsible for all costs.
F F F F
Ms. Henderson believes that she will qualify for Medicare Coverage when she
F F F F F F F F F F F
turns 65, without paying any premiums, because she has been working for 40
F F F F F F F F F F F F F
years and paying Medicare taxes. What should you tell her?
F F F To obtain Part B F F F F F F F F F F
coverage, she must pay a standard monthly premium, though it is higher for
F F F F F F F F F F F F F
individuals with higher incomes.
F F F F
Mr. Alonso receives some help paying for his two generic prescription drugs from
F F F F F F F F F F F F
his employer's retiree coverage, but he wants to compare it to a Part D
F F F F F F F F F F F F F F
prescription drug plan. He asks you what costs he would generally expect to F F F F F F F F F F F F
,encounter when enrolling into a standard MedicarePart D prescription drug plan.
F F F F F F F F F F
What should you tell him? He generally would pay a monthly premium, annual
F F F F F F F F F F F F F
deductible, and per-prescription cost-sharing.
F F F F
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent
F F F F F F F F F F F F F F F F
health and will have considerable income when she retires. She is concerned that
F F F F F F F F F F F F F
her income will make it impossible for her to qualify for Medicare. What could you
F F F F F F F F F F F F F F F
tell her to address her concern? Medicare is a program for people age 65 or
F F F F F F F F F F F F F F
older and those under age 65 with certain disabilities, end-stage renal disease,
F F F F F F F F F F F F
and Lou Gehrig's disease so she will be eligible for Medicare.
F F F F F F F F F F F
Mr. Xi will soon turn age 65 and has come to you for advice as to what services are
F F F F F F F F F F F F F F F F F F
provided under Original Medicare. What should you tell Mr. Xi that best describes
F F F F F F F F F F F F F
Fthe health coverage provided to Medicare beneficiaries? Beneficiaries under
F F F F F F F
FOriginal Medicare have no cost-sharing for most preventive services which include
F F F F F F F F F F
immunizations such as annual flu shots.
F F F F F F
Mrs. Duarte is enrolled in Original Medicare Parts A and B. She has recently
F F F F F F F F F F F F F
reviewed her Medicare Summary Notice (MSN) and disagrees with a
F F F F F F F F F F
determination that partially denied one of her claims for services. What advice F F F F F F F F F F F
would you give her? Mrs. Duarte should file an appeal of this initial
F F F F F F F F F F F F
determination within 120 days of the date she received the MSN in the mail. F F F F F F F F F F F F F
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a
F F F F F F F F F F F F
Medigap plan to pick up costs not covered by that plan.
F F F F F F F F F F F
What should you tell him? It is illegal for you to sell Mr. Capadona a Medigap
F F F F F F F F F F F F F F
plan if he is enrolled in an MA plan, and besides, Medigap only works with Original
F F F F F F F F F F F F F F F F
Medicare.
F
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you
F F F F F F F F F F F F F F F
tell Mrs. Park that might be of assistance?
F F F She should contact her state F F F F F F F F F
Medicaid agency to see if she qualifies for one of several programs that can help
F F F F F F F F F F F F F F
with Medicare costs for which she is responsible.
F F F F F F F F
Mr. Rainey is experiencing paranoid delusions and his physician feels that he
F F F F F F F F F F F
should be hospitalized. What should you tell Mr. Rainey (or his representative)
F F F F F F F F F F F F
about the length of an inpatient psychiatric hospital stay that Medicare will cover?
F F F F F F F F F F F F F
Medicare will cover a total of 190 days of inpatient psychiatric care during Mr.
F F F F F F F F F F F F F
Rainey's entire lifetime. F F
, Mr. Schmidt would like to plan for retirement and has asked you what is covered
F F F F F F F F F F F F F F
under Original Fee-for-Service (FFS) Medicare? What could you tell him?
F F Part
F F F F F F F F
A, which covers hospital, skilled nursing facility, hospice, and home health services
F F F F F F F F F F F
and Part B, which covers professional services such as those provided by a doctor
F F F F F F F F F F F F F F
are covered under Original Medicare.
F F F F F
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently
F F F F F F F F F F F F F
enrolled in Medicare Parts A and B. Jerry has also purchased a Medicare
F F F F F F F F F F F F F
Supplement (Medigap) plan which he has had for several years. However, the plandoes
F F F F F F F F F F F F F
not provide drug benefits. How would you advise Agent John Miller to
F F F F F F F F F F F F
proceed? Tell prospect Jerry Smith that he should consider adding a standalone F F F F F F F F F F
Part D prescription drug coverage policy to his present coverage.
F F F F F F F F F F
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by
F F F F F F F F F F F F F F
Fthe Social Security Administration and has been receiving disability payments. He
F F F F F F F F F F
is wondering whether he can obtain coverage under Medicare. What should you
F F F F F F F F F F F F
tell him? After receiving such disability payments for 24 months, he will be
F F F F F F F F F F F F
Fautomatically enrolled in Medicare, regardless of age. F F F F F F
Mr. Buck has several family members who died from different cancers. He wantsto
F F F F F F F F F F F F F
know if Medicare covers cancer screening.
F F F F F F
What should you tell him? Medicare covers the periodic performance of a range
F F F F F F F F F F F
of screening tests that are meant to provide early detection of disease. Mr. Buck
F F F F F F F F F F F F F F
will need to check specific tests before obtaining them to see if they will be
F F F F F F F F F F F F F F F
covered.
Which of the following statement is/are correct about a Medicare Savings Account
F F F F F F F F F F F
(MSA) Plans?
F F
I. MSAs may have either a partial network, full network, or no network of
F F F F F F F F F F F F
providers.
F
II. MSA plans cover Part A and Part B benefits but not Part D prescription drug
F F F F F F F F F F F F F F
benefits.
F
III. An individual who is enrolled in an MSA plan is responsible for a minimal
F F F F F F F F F F F F F
deductible of $500 indexed for inflation.
F F F F F F
IV. Non-network providers must accept the same amount that Original F F F F F F F F
Medicare would pay them as payment in full. I, II, and IV only
F F F F F F F F F F
ANSWERS 2024-2025 GUARANTEED A+ GUIDE
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal
F F F F F F F F F F F F F
disease (ESRD) and will soon begin dialysis. He is wondering if he can obtain
F F F F F F F F F F F F F F
coverage under Medicare. What should you tell him? He may sign-up for
F F F F F F F F F F F
Medicare at any time however coverage usually begins on the fourth month after
F F F F F F F F F F F F
dialysis treatments start.
F F F
Juan Perez, who is turning age 65 next month, intends to work for several more
F F F F F F F F F F F F F F
Fyears at Smallcap, Incorporated. Smallcap has a workforce of15 employees and
F F F F F F F F F F
Foffers employer-sponsored healthcare coverage. Juan is a naturalized citizen and
F F F F F F F F F
Fhas contributed to the Medicare system for over 20 years. Juan asks you if he will
F F F F F F F F F F F F F F F
be entitled to Medicare and if he enrolls how that will impact his
F F F F F F F F F F F F F
employersponsored healthcare coverage. How would you respond? Juan is likely F F F F F F F F F
to be eligible for Medicare once he turns age 65 and if he enrolls Medicare would
F F F F F F F F F F F F F F F F
become the primary payor of his healthcare claims and Smallcap does not have to
F F F F F F F F F F F F F F
continue to offer him coverage comparable to those under age 65 under its
F F F F F F F F F F F F F
employer-sponsored group health plan. F F F
Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what
F F F F F F F F F F F F F
coverage Medicare Supplemental Insurance provides since his health care needs
F F F F F F F F F F
are different from his wife's needs. What could you tell Mr. Moy? Medicare
F F F F F F F F F F F F
Supplemental Insurance would help cover his Part A and Part B deductibles or
F F F F F F F F F F F F F
coinsurance in Original Fee-for-Service (FFS) Medicare as well as possibly some
F F F F F F F F F F F
services that Medicare does not cover.
F F F F F F
Mrs. Peňa is 66 years old, has coverage under an employer plan, and will retire
F F F F F F F F F F F F F F
next year. She heard she must enroll in Part B at the beginning of the year to
F F F F F F F F F F F F F F F F F
ensure no gap in coverage. What can you tell her? She may enroll at any time
F F F F F F F F F F F F F F
while she is covered under her employer plan, but she will have a special eight-
F F F F F F F F F F F F F F F
month enrollment period after the last month on her employer plan that differs
F F F F F F F F F F F F F
from the standard general enrollment period, during which she may enroll in
F F F F F F F F F F F F
Medicare Part B.
F F F
,Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed
F F F F F F F F F F F F F F F
full time, and paid taxes during that entire period. She is concerned that she will
F F F F F F F F F F F F F F F
not qualify for coverage under part A because she was not born in the United
F F F F F F F F F F F F F F F
States. What should you tell her? Most individuals who are citizens and age 65 or
F F F F F F F F F F F F F F
over are covered under Part A by virtue of having paid Medicare taxes while
F F F F F F F F F F F F F F
working, though some may be covered as a result of paying monthly premiums.
F F F F F F F F F F F F F
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well,
F F F F F F F F F F F F F
but it provides no drug coverage. She would like to keep the coverage she has but
F F F F F F F F F F F F F F F F
replace her existing Medigap plan with one that provides drug coverage. What
F F F F F F F F F F F F
should you tell her? Mrs. Gonzalez cannot purchase a Medigap plan that covers
F F F F F F F F F F F F
drugs, but she could keep her Medigap policy and enroll in a Part D prescription
F F F F F F F F F F F F F F F
drug plan.
F F
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
F F F F F F F F F F F
from arthritis through massage therapy. She is concerned about whether or not
F F F F F F F F F F F F
Medicare will cover these items and services. What should you tell her?
F F F F F F F F F F F F
Medicare does not cover massage therapy, or, in general, glasses or dentures.
F F F F F F F F F F F
Mr. Patel is in good health and is preparing a budget in anticipation of his
F F F F F F F F F F F F F F
retirement when he turns 66. He wants to understand the health care costs he
F F F F F F F F F F F F F
might be exposed to under Medicare if he were to require hospitalization as a
F F F F F F F F F F F F F F
Fresult of an illness. In general terms, what could you tell him about his costs for
F F F F F F F F F F F F F F F
inpatient hospital services
F F F
under Original Medicare? Under Original Medicare, there is a single deductible
F F F F F F F F F
amount due for the first 60 days of any inpatient hospital stay, after which it
F F F F F F F F F F F F F F F
Fconverts into a per-day coinsurance amount through day 90. After day 90, he
F F F F F F F F F F F F
Fwould pay a daily amount up to 60 days over his lifetime, after which he would be
F F F F F F F F F F F F F F F F
responsible for all costs.
F F F F
Ms. Henderson believes that she will qualify for Medicare Coverage when she
F F F F F F F F F F F
turns 65, without paying any premiums, because she has been working for 40
F F F F F F F F F F F F F
years and paying Medicare taxes. What should you tell her?
F F F To obtain Part B F F F F F F F F F F
coverage, she must pay a standard monthly premium, though it is higher for
F F F F F F F F F F F F F
individuals with higher incomes.
F F F F
Mr. Alonso receives some help paying for his two generic prescription drugs from
F F F F F F F F F F F F
his employer's retiree coverage, but he wants to compare it to a Part D
F F F F F F F F F F F F F F
prescription drug plan. He asks you what costs he would generally expect to F F F F F F F F F F F F
,encounter when enrolling into a standard MedicarePart D prescription drug plan.
F F F F F F F F F F
What should you tell him? He generally would pay a monthly premium, annual
F F F F F F F F F F F F F
deductible, and per-prescription cost-sharing.
F F F F
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent
F F F F F F F F F F F F F F F F
health and will have considerable income when she retires. She is concerned that
F F F F F F F F F F F F F
her income will make it impossible for her to qualify for Medicare. What could you
F F F F F F F F F F F F F F F
tell her to address her concern? Medicare is a program for people age 65 or
F F F F F F F F F F F F F F
older and those under age 65 with certain disabilities, end-stage renal disease,
F F F F F F F F F F F F
and Lou Gehrig's disease so she will be eligible for Medicare.
F F F F F F F F F F F
Mr. Xi will soon turn age 65 and has come to you for advice as to what services are
F F F F F F F F F F F F F F F F F F
provided under Original Medicare. What should you tell Mr. Xi that best describes
F F F F F F F F F F F F F
Fthe health coverage provided to Medicare beneficiaries? Beneficiaries under
F F F F F F F
FOriginal Medicare have no cost-sharing for most preventive services which include
F F F F F F F F F F
immunizations such as annual flu shots.
F F F F F F
Mrs. Duarte is enrolled in Original Medicare Parts A and B. She has recently
F F F F F F F F F F F F F
reviewed her Medicare Summary Notice (MSN) and disagrees with a
F F F F F F F F F F
determination that partially denied one of her claims for services. What advice F F F F F F F F F F F
would you give her? Mrs. Duarte should file an appeal of this initial
F F F F F F F F F F F F
determination within 120 days of the date she received the MSN in the mail. F F F F F F F F F F F F F
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a
F F F F F F F F F F F F
Medigap plan to pick up costs not covered by that plan.
F F F F F F F F F F F
What should you tell him? It is illegal for you to sell Mr. Capadona a Medigap
F F F F F F F F F F F F F F
plan if he is enrolled in an MA plan, and besides, Medigap only works with Original
F F F F F F F F F F F F F F F F
Medicare.
F
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you
F F F F F F F F F F F F F F F
tell Mrs. Park that might be of assistance?
F F F She should contact her state F F F F F F F F F
Medicaid agency to see if she qualifies for one of several programs that can help
F F F F F F F F F F F F F F
with Medicare costs for which she is responsible.
F F F F F F F F
Mr. Rainey is experiencing paranoid delusions and his physician feels that he
F F F F F F F F F F F
should be hospitalized. What should you tell Mr. Rainey (or his representative)
F F F F F F F F F F F F
about the length of an inpatient psychiatric hospital stay that Medicare will cover?
F F F F F F F F F F F F F
Medicare will cover a total of 190 days of inpatient psychiatric care during Mr.
F F F F F F F F F F F F F
Rainey's entire lifetime. F F
, Mr. Schmidt would like to plan for retirement and has asked you what is covered
F F F F F F F F F F F F F F
under Original Fee-for-Service (FFS) Medicare? What could you tell him?
F F Part
F F F F F F F F
A, which covers hospital, skilled nursing facility, hospice, and home health services
F F F F F F F F F F F
and Part B, which covers professional services such as those provided by a doctor
F F F F F F F F F F F F F F
are covered under Original Medicare.
F F F F F
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently
F F F F F F F F F F F F F
enrolled in Medicare Parts A and B. Jerry has also purchased a Medicare
F F F F F F F F F F F F F
Supplement (Medigap) plan which he has had for several years. However, the plandoes
F F F F F F F F F F F F F
not provide drug benefits. How would you advise Agent John Miller to
F F F F F F F F F F F F
proceed? Tell prospect Jerry Smith that he should consider adding a standalone F F F F F F F F F F
Part D prescription drug coverage policy to his present coverage.
F F F F F F F F F F
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by
F F F F F F F F F F F F F F
Fthe Social Security Administration and has been receiving disability payments. He
F F F F F F F F F F
is wondering whether he can obtain coverage under Medicare. What should you
F F F F F F F F F F F F
tell him? After receiving such disability payments for 24 months, he will be
F F F F F F F F F F F F
Fautomatically enrolled in Medicare, regardless of age. F F F F F F
Mr. Buck has several family members who died from different cancers. He wantsto
F F F F F F F F F F F F F
know if Medicare covers cancer screening.
F F F F F F
What should you tell him? Medicare covers the periodic performance of a range
F F F F F F F F F F F
of screening tests that are meant to provide early detection of disease. Mr. Buck
F F F F F F F F F F F F F F
will need to check specific tests before obtaining them to see if they will be
F F F F F F F F F F F F F F F
covered.
Which of the following statement is/are correct about a Medicare Savings Account
F F F F F F F F F F F
(MSA) Plans?
F F
I. MSAs may have either a partial network, full network, or no network of
F F F F F F F F F F F F
providers.
F
II. MSA plans cover Part A and Part B benefits but not Part D prescription drug
F F F F F F F F F F F F F F
benefits.
F
III. An individual who is enrolled in an MSA plan is responsible for a minimal
F F F F F F F F F F F F F
deductible of $500 indexed for inflation.
F F F F F F
IV. Non-network providers must accept the same amount that Original F F F F F F F F
Medicare would pay them as payment in full. I, II, and IV only
F F F F F F F F F F
