Ahip Module 1 Questions With Correct
Answers
Ms. Henderson believes that she will qualify for Medicare coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes.
What should you tell her? a. In order to obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals with higher incomes. Correct
Mr. Diaz continued working with his company and was insured under his employer's group plan
until he reached age 68. He has heard that there is a premium penalty for those who did not sign
up for Part B when first eligible and wants to know how much he will have to pay. What should
you tell him? b. Mr. Diaz will not pay any penalty because he had continuous coverage
under his employer's plan. Correct
Mrs. Peňa is 66 years old, has coverage under an employer plan and will retire next year. She
heard she must enroll in Part B at the beginning of the year to ensure no gap in coverage. What
can you tell her? d. She may enroll at any time while she is covered under her employer
plan, but she will have a special eight-month enrollment period that differs from the standard
general enrollment period, during which she may enroll in Medicare Part B. Correct
Mrs. Kelly, age 65, is entitled to Part A, but has not yet enrolled in Part B. She is considering
enrollment in a Medicare health plan (Part C). What should you advise her to do before she will
be able to enroll into a Medicare health plan? Mrs. Kelly, age 65, is entitled to Part A, but
has not yet enrolled in Part B. She is considering enrollment in a Medicare health plan (Part C).
What should you advise her to do before she will be able to enroll into a Medicare health plan?
, Mrs. Park is an elderly retiree. She has a low, fixed income. What could you tell Mrs. Park that
might be of assistance? d. She should contact her state Medicaid agency to see if she
qualifies for one of several programs that can help with Medicare costs for which she is
responsible. Correct
Mr. Wu is eligible for Medicare. He has limited financial resources but failed to qualify for the
Part D low-income subsidy. Where might he turn for help with his prescription drug costs?
a. Mr. Wu may still qualify for help in paying Part D costs through his State
Pharmaceutical Assistance Program. Correct
Mr. Patel is in good health and is preparing a budget in anticipation of his retirement when he
turns 66. He wants to understand the health care costs he might be exposed to under Medicare if
he were to require hospitalization as a result of an illness. In general terms, what could you tell
him about his costs for inpatient hospital services under Original Medicare? d. Under
Original Medicare, there is a single deductible amount due for the first 60 days of any inpatient
hospital stay, after which it converts into a per-day coinsurance amount through day 90. After
day 90, he would pay a daily amount up to 60 days over his lifetime, after which he would be
responsible for all costs Correct
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is being
successfully treated for that condition. However, she and her physicians feel that after her
lengthy hospital stay she will need a month or two of nursing and rehabilitative care. What
should you tell them about Original Medicare's coverage of care in a skilled nursing facility?
b. Medicare will cover Mrs. Shields' skilled nursing services provided during the first 20
days of her stay, after which she would have a coinsurance until she has been in the facility for
100 days. Correct
Answers
Ms. Henderson believes that she will qualify for Medicare coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes.
What should you tell her? a. In order to obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals with higher incomes. Correct
Mr. Diaz continued working with his company and was insured under his employer's group plan
until he reached age 68. He has heard that there is a premium penalty for those who did not sign
up for Part B when first eligible and wants to know how much he will have to pay. What should
you tell him? b. Mr. Diaz will not pay any penalty because he had continuous coverage
under his employer's plan. Correct
Mrs. Peňa is 66 years old, has coverage under an employer plan and will retire next year. She
heard she must enroll in Part B at the beginning of the year to ensure no gap in coverage. What
can you tell her? d. She may enroll at any time while she is covered under her employer
plan, but she will have a special eight-month enrollment period that differs from the standard
general enrollment period, during which she may enroll in Medicare Part B. Correct
Mrs. Kelly, age 65, is entitled to Part A, but has not yet enrolled in Part B. She is considering
enrollment in a Medicare health plan (Part C). What should you advise her to do before she will
be able to enroll into a Medicare health plan? Mrs. Kelly, age 65, is entitled to Part A, but
has not yet enrolled in Part B. She is considering enrollment in a Medicare health plan (Part C).
What should you advise her to do before she will be able to enroll into a Medicare health plan?
, Mrs. Park is an elderly retiree. She has a low, fixed income. What could you tell Mrs. Park that
might be of assistance? d. She should contact her state Medicaid agency to see if she
qualifies for one of several programs that can help with Medicare costs for which she is
responsible. Correct
Mr. Wu is eligible for Medicare. He has limited financial resources but failed to qualify for the
Part D low-income subsidy. Where might he turn for help with his prescription drug costs?
a. Mr. Wu may still qualify for help in paying Part D costs through his State
Pharmaceutical Assistance Program. Correct
Mr. Patel is in good health and is preparing a budget in anticipation of his retirement when he
turns 66. He wants to understand the health care costs he might be exposed to under Medicare if
he were to require hospitalization as a result of an illness. In general terms, what could you tell
him about his costs for inpatient hospital services under Original Medicare? d. Under
Original Medicare, there is a single deductible amount due for the first 60 days of any inpatient
hospital stay, after which it converts into a per-day coinsurance amount through day 90. After
day 90, he would pay a daily amount up to 60 days over his lifetime, after which he would be
responsible for all costs Correct
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is being
successfully treated for that condition. However, she and her physicians feel that after her
lengthy hospital stay she will need a month or two of nursing and rehabilitative care. What
should you tell them about Original Medicare's coverage of care in a skilled nursing facility?
b. Medicare will cover Mrs. Shields' skilled nursing services provided during the first 20
days of her stay, after which she would have a coinsurance until she has been in the facility for
100 days. Correct
