AHIP 2025 MODULE 3 QUESTIONS AND
100% VERIFIED ANSWERS /GRADED A+
/ GUARANTEED PASS!!
Mr. and Mrs. Vaughn both take a specialized multivitamin prescription each day.
Mr. Vaughn takes a prescription to help to regrow his hair. They are anxious to
have their Medicare prescription drug plan cover these drug needs. What should
you tell them?
- answer-Medicare prescription drug plans are not permitted to cover the
prescription medications the Vaughns are interested in under Part D coverage,
however, plans may cover them as supplemental benefits and the Vaughns could
look into that possibility.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the
Medicare Part D Prescription Drug program and he is wondering if there is any
other option he has for obtaining help with his considerable drug costs. What
should you tell him?
- answer-He could check with the manufacturers of his medications to see if they
offer an assistance program to help people with limited means to obtain the
medications they need. Alternatively, he could check to see whether his state has a
pharmacy assistance program to help him with his expenses.
Mr. Carlini has heard that Medicare prescription drug plans are only offered
through private companies under a program known as Medicare Advantage (MA),
not by the government. He likes Original Medicare and does not want to sign up
for an MA product, but he also wants prescription drug coverage. What should you
tell him?
- answer-Mr. Carlini can stay with Original Medicare and also enroll in a Medicare
prescription drug plan through a private company that has contracted with the
government to provide only such drug coverage to eligible Medicare beneficiaries.
Mr. Hildalgo complains to you that because he takes multiple expensive drugs, he
has trouble paying his cost sharing for his prescription drugs, particularly at the
beginning of the year during the deductible phase. He is happy with his plan and
does not want to change. However, he said he had heard about a new program
, called the Medicare Prescription Payment Plan and asked whether it might help.
What do you tell him?
- answer-The Medicare Prescription Payment Plan helps spread out beneficiary
cost-sharing payments but does not decrease the total amount owed.
Mr. Hutchinson has drug coverage through his former employer's retiree plan. He
is concerned about the Part D premium penalty if he does not enroll in a Medicare
prescription drug plan, but does not want to purchase extra coverage that he will
not need. What should you tell him?
- answer-If the drug coverage he has is not expected to pay, on average, at least as
much as Medicare's standard Part D coverage expects to pay, then he will need to
enroll in Medicare Part D during his initial eligibility period to avoid the late
enrollment penalty.
Mr. Jacob understands that there is a standard Medicare Part D prescription drug
benefit, but when he looks at information on various plans available in his area, he
sees a wide range in what they charge for deductibles, premiums, and cost sharing.
How can you explain this to him?
- answer-Medicare Part D drug plans may have different benefit structures, but on
average, they must all be at least as good as the standard model established by the
government.
Mr. Rice is 68, actively working, and has coverage for medical services and
medications through his employer's group health plan. He is entitled to premium
free Part A and thinking of enrolling in Part B and switching to an MA-PD because
he is paying a very large part of his group coverage premium, and it does not
provide coverage for a number of his medications. Which of the following is NOT
a consideration when making the change?
- answer-Mr. Rice's retiree plan is required to take him back if, within 63 days of
having voluntarily quit the employer's plan, he decides that he prefers it to his
Medicare Part D plan.
Mr. Shapiro gets by on a very small amount of fixed income. He has heard there
may be extra help paying for Part D prescription drugs for Medicare beneficiaries
with limited income. He wants to know whether he might qualify. What should
you tell him?
- answer-The extra help is available to beneficiaries whose income and assets do
not exceed annual limits specified by the government.
100% VERIFIED ANSWERS /GRADED A+
/ GUARANTEED PASS!!
Mr. and Mrs. Vaughn both take a specialized multivitamin prescription each day.
Mr. Vaughn takes a prescription to help to regrow his hair. They are anxious to
have their Medicare prescription drug plan cover these drug needs. What should
you tell them?
- answer-Medicare prescription drug plans are not permitted to cover the
prescription medications the Vaughns are interested in under Part D coverage,
however, plans may cover them as supplemental benefits and the Vaughns could
look into that possibility.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the
Medicare Part D Prescription Drug program and he is wondering if there is any
other option he has for obtaining help with his considerable drug costs. What
should you tell him?
- answer-He could check with the manufacturers of his medications to see if they
offer an assistance program to help people with limited means to obtain the
medications they need. Alternatively, he could check to see whether his state has a
pharmacy assistance program to help him with his expenses.
Mr. Carlini has heard that Medicare prescription drug plans are only offered
through private companies under a program known as Medicare Advantage (MA),
not by the government. He likes Original Medicare and does not want to sign up
for an MA product, but he also wants prescription drug coverage. What should you
tell him?
- answer-Mr. Carlini can stay with Original Medicare and also enroll in a Medicare
prescription drug plan through a private company that has contracted with the
government to provide only such drug coverage to eligible Medicare beneficiaries.
Mr. Hildalgo complains to you that because he takes multiple expensive drugs, he
has trouble paying his cost sharing for his prescription drugs, particularly at the
beginning of the year during the deductible phase. He is happy with his plan and
does not want to change. However, he said he had heard about a new program
, called the Medicare Prescription Payment Plan and asked whether it might help.
What do you tell him?
- answer-The Medicare Prescription Payment Plan helps spread out beneficiary
cost-sharing payments but does not decrease the total amount owed.
Mr. Hutchinson has drug coverage through his former employer's retiree plan. He
is concerned about the Part D premium penalty if he does not enroll in a Medicare
prescription drug plan, but does not want to purchase extra coverage that he will
not need. What should you tell him?
- answer-If the drug coverage he has is not expected to pay, on average, at least as
much as Medicare's standard Part D coverage expects to pay, then he will need to
enroll in Medicare Part D during his initial eligibility period to avoid the late
enrollment penalty.
Mr. Jacob understands that there is a standard Medicare Part D prescription drug
benefit, but when he looks at information on various plans available in his area, he
sees a wide range in what they charge for deductibles, premiums, and cost sharing.
How can you explain this to him?
- answer-Medicare Part D drug plans may have different benefit structures, but on
average, they must all be at least as good as the standard model established by the
government.
Mr. Rice is 68, actively working, and has coverage for medical services and
medications through his employer's group health plan. He is entitled to premium
free Part A and thinking of enrolling in Part B and switching to an MA-PD because
he is paying a very large part of his group coverage premium, and it does not
provide coverage for a number of his medications. Which of the following is NOT
a consideration when making the change?
- answer-Mr. Rice's retiree plan is required to take him back if, within 63 days of
having voluntarily quit the employer's plan, he decides that he prefers it to his
Medicare Part D plan.
Mr. Shapiro gets by on a very small amount of fixed income. He has heard there
may be extra help paying for Part D prescription drugs for Medicare beneficiaries
with limited income. He wants to know whether he might qualify. What should
you tell him?
- answer-The extra help is available to beneficiaries whose income and assets do
not exceed annual limits specified by the government.
