WITH CORRECT ANSWERS 2025/2026
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Mrs.AWestAwearsAglassesAandAdenturesAandAhasAenjoyedAconsiderableApainAreliefAfromAarthriti
sAthroughAacupuncture.ASheAisAconcernedAaboutAwhetherAorAnotAMedicareAwillAcoverAtheseAit
emsAandAservices.AWhatAshouldAyouAtellAher?A-
AcorrectAanswersMedicareAdoesAnotAcoverAacupuncture,Aor,AinAgeneral,AglassesAorAdentures.
Mr.ABickfordAdidAnotAquiteAqualifyAforAtheAextraAhelpAlow-
incomeAsubsidyAunderAtheAMedicareAPartADAPrescriptionADrugAprogramAandAheAisAwonderingAi
fAthereAisAanyAotherAoptionAheAhasAforAobtainingAhelpAwithAhisAconsiderableAdrugAcosts.AWhatA
shouldAyouAtellAhim?A-
AcorrectAanswersHeAcouldAcheckAwithAtheAmanufacturersAofAhisAmedicationsAtoAseeAifAtheyAoff
erAanAassistanceAprogramAtoAhelpApeopleAwithAlimitedAmeansAobtainAtheAmedicationsAtheyAne
ed.AAlternatively,AheAcouldAcheckAtoAseeAwhetherAhisAstateAhasAaApharmacyAassistanceAprogra
mAtoAhelpAhimAwithAhisAexpenses.
Mr.ALombardiAisAinterestedAinAaAMedicareAAdvantageA(MA)APPOAplanAthatAyouArepresent.AItAisA
oneAofAthreeAplansAoperatedAbyAtheAsameAorganizationAinAMr.ALombardi'sAarea.ATheAMAAPPOAp
lanAdoesAnotAincludeAdrugAcoverage,AbutAtheAotherAtwoAplansAdo.AMr.ALombardiAlikesAtheAPPOA
planAthatAdoesAnotAincludeAdrugAcoverageAandAintendsAtoAobtainAhisAdrugAcoverageAthroughAaA
stand-
aloneAMedicareAprescriptionAdrugAplan.AWhatAshouldAyouAtellAhimAaboutAthisAsituation?A-
AcorrectAanswersHeAcouldAenrollAinAoneAofAtheAMAAplansAthatAincludeAprescriptionAdrugAcover
ageAorAaAMedigapAplanAandAaAstand-
aloneAprescriptionAdrugAplan,AbutAheAcannotAenrollAinAtheAMA-onlyAPPOAplanAandAaAstand-
aloneAprescriptionAdrugAplan.
Mr.ATorresAhasAaAsmallAsavingsAaccount.AHeAwouldAlikeAtoApayAforAhisAmonthlyAPartADApremium
sAwithAanAautomaticAmonthlyAwithdrawalAfromAhisAsavingsAaccountAuntilAitAisAexhausted,AandAt
henAhaveAhisApremiumsAwithheldAfromAhisASocialASecurityAcheck.AWhatAshouldAyouAtellAhim?A-
AcorrectAanswersInAgeneral,AheAmustAselectAaAsingleAPartADApremiumApaymentAmechanismAtha
tAwillAbeAusedAthroughoutAtheAyear.
AgentAJenningsAmakesAaApresentationAonAMedicareAadvertisedAasAanAeducationalAevent.AAgen
tAJenningsAdistributesAmaterialsAthatAareAsolelyAeducationalAinAnature.AHowever,AsheAgivesAaAb
riefApresentationAthatAmentionsAplan-
specificApremiums.AIsAthisAaAprohibitedAactivityAatAanAeventAthatAhasAbeenAadvertisedAasAeduca
tional?A-
AcorrectAanswersYes.AWhenAanAeventAhasAbeenAadvertisedAasA"educational,"AdiscussingAplan-
specificApremiumsAisAimpermissible.
, Mrs.AMulcahyAisAconcernedAthatAsheAmayAnotAqualifyAforAenrollmentAinAaAMedicareAprescriptio
nAdrugAplanAbecause,AalthoughAsheAisAentitledAtoAPartAA,AsheAisAnotAenrolledAunderAMedicareAP
artAB.AWhatAshouldAyouAtellAher?A-
AcorrectAanswersEveryoneAwhoAisAentitledAtoAPartAAAorAenrolledAunderAPartABAisAeligibleAtoAenr
ollAinAaAMedicareAprescriptionAdrugAplan.AAsAlongAasAMrs.AMulcahyAisAentitledAtoAPartAA,AsheAd
oesAnotAneedAtoAenrollAunderAPartABAbeforeAenrollingAinAaAprescriptionAdrugAplan.
Mr.AJacobAunderstandsAthatAthereAisAaAstandardAMedicareAPartADAprescriptionAdrugAbenefit,Ab
utAwhenAheAlooksAatAinformationAonAvariousAplansAavailableAinAhisAarea,AheAseesAaAwideArangeA
inAwhatAtheyAchargeAforAdeductibles,ApremiumsAandAcostAsharing.AHowAcanAyouAexplainAthisAto
Ahim?A-
AcorrectAanswersMedicareAPartADAdrugAplansAmayAhaveAdifferentAbenefitAstructures,AbutAonAav
erage,AtheyAmustAallAbeAatAleastAasAgoodAasAtheAstandardAmodelAestablishedAbyAtheAgovernme
nt.
Ms.AMooreAplansAtoAretireAwhenAsheAturnsA65AinAaAfewAmonths.ASheAisAinAexcellentAhealthAandA
willAhaveAconsiderableAincomeAwhenAsheAretires.ASheAisAconcernedAthatAherAincomeAwillAmake
AitAimpossibleAforAherAtoAqualifyAforAMedicare.AWhatAcouldAyouAtellAherAtoAaddressAherAconcer
n?A-
AcorrectAanswersMedicareAisAaAprogramAforApeopleAageA65AorAolderAandAthoseAunderAageA65Aw
ithAcertainAdisabilities,AendAstageArenalAdiseaseAorALouAGehrig'sAdisease,AsoAsheAwillAbeAeligible
AforAMedicare.
AgentAArmstrongAisAemployedAbyAXYZAAgency,AwhichAisAunderAcontractAwithAABCAHealthAPlan,A
aAMedicareAAdvantageA(MA)AplanAthatAoffersAplansAinAmultipleAstates.AXYZAAgencyAmaintainsAa
AwebsiteAmarketingAtheAMAAplansAwithAwhichAitAhasAcontracts.AAgentAArmstrongAfollowsAupAwi
thAindividualsAwhoArequestAmoreAinformationAaboutAABCAMAAplansAviaAtheAwebsiteAandAtriesA
toApersuadeAthemAtoAenrollAinAABCAplans.AWhatAstatementAbestAdescribesAtheAmarketingAandA
complianceArulesAthatAapplyAtoAAgentAArmstrong?A-
AcorrectAanswersAgentAArmstrongAneedsAtoAbeAlicensedAandAappointedAinAeveryAstateAinAwhic
hAbeneficiariesAtoAwhomAheAmarketsAABCAMAAplansAareAlocated.
Mr.ASchmidtAwouldAlikeAtoAplanAforAretirementAandAhasAaskedAyouAwhatAisAcoveredAunderAOrigi
nalAFee-for-ServiceA(FFS)AMedicare?AWhatAcouldAyouAtellAhim?A-
AcorrectAanswersPartAA,AwhichAcoversAhospital,AskilledAnursingAfacility,AhospiceAandAhomeAheal
thAservicesAandAPartAB,AwhichAcoversAprofessionalAservicesAsuchAasAthoseAprovidedAbyAaAdocto
rAareAcoveredAunderAOriginalAMedicare.
YouAareAseekingAtoArepresentAanAindividualAMedicareAAdvantageAplanAandAanAindividualAPartAD
AplanAinAyourAstate.AYouAhaveAcompletedAtheArequiredAtrainingAforAeachAplan,AbutAyouAdidAnotA
achieveAaApassingAscoreAonAtheAtestsAthatAcameAafterAtheAtraining.AWhatAcanAyouAdoAinAthisAsit
uation?A-
AcorrectAanswersYouAwillAnotAbeAableAtoArepresentAanyAMedicareAAdvantageAorAPartADAplanAun