AHIP FINAL EXAM TEST QUESTIONS AND
ANSWERS
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
from
arthritis through acupuncture. She is concerned about whether or not Medicare
will cover these items and services. What should you tell her? - CORRECT
ANSWER -Medicare does not cover acupuncture, or, in general, glasses or
dentures.
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? - CORRECT
ANSWER -He could check with the manufacturers of his medications to see if
they offer an assistance program to help people with limited means 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. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you
represent. It is one of three plans operated by the same organization in Mr.
Lombardi's area. The MA PPO plan does not include drug coverage, but the
other two plans do. Mr. Lombardi likes the PPO plan that does not include drug
coverage and intends to obtain his drug coverage through a stand-alone
Medicare prescription drug plan. What should you tell him about this situation?
- CORRECT ANSWER -He could enroll in one of the MA plans that include
prescription drug coverage or a Medigap plan and a stand-alone prescription
,drug plan, but he cannot enroll in the MA-only PPO plan and a stand-alone
prescription drug plan.
Mr. Torres has a small savings account. He would like to pay for his monthly
Part D premiums with an automatic monthly withdrawal from his savings
account until it is exhausted, and then have his premiums withheld from his
Social Security check. What should you tell him? - CORRECT ANSWER -In
general, he must select a single Part D premium payment mechanism that will
be used throughout the year.
Agent Jennings makes a presentation on Medicare advertised as an educational
event. Agent Jennings distributes materials that are solely educational in nature.
However, she gives a brief presentation that mentions plan-specific premiums.
Is this a prohibited activity at an
, event that has been advertised as educational? - CORRECT ANSWER -Yes.
When an event has been advertised as "educational," discussing plan-specific
premiums is impermissible.
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A, she
is not enrolled under Medicare Part B. What should you tell her? - CORRECT
ANSWER -Everyone who is entitled to Part A or enrolled under Part B is
eligible to enroll in a Medicare prescription drug plan. As long as Mrs. Mulcahy
is entitled to Part A, she does not need to enroll under Part B before enrolling in
a prescription drug plan.
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? - CORRECT 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.
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent
health and will have considerable income when she retires. She is concerned
that her income will make it impossible for her to qualify for Medicare. What
could you tell her to address her concern?
- CORRECT ANSWER -Medicare is a program for people age 65 or older
and those under age 65 with certain disabilities, end stage renal disease or Lou
Gehrig's disease, so she will be eligible for Medicare.
ANSWERS
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
from
arthritis through acupuncture. She is concerned about whether or not Medicare
will cover these items and services. What should you tell her? - CORRECT
ANSWER -Medicare does not cover acupuncture, or, in general, glasses or
dentures.
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? - CORRECT
ANSWER -He could check with the manufacturers of his medications to see if
they offer an assistance program to help people with limited means 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. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you
represent. It is one of three plans operated by the same organization in Mr.
Lombardi's area. The MA PPO plan does not include drug coverage, but the
other two plans do. Mr. Lombardi likes the PPO plan that does not include drug
coverage and intends to obtain his drug coverage through a stand-alone
Medicare prescription drug plan. What should you tell him about this situation?
- CORRECT ANSWER -He could enroll in one of the MA plans that include
prescription drug coverage or a Medigap plan and a stand-alone prescription
,drug plan, but he cannot enroll in the MA-only PPO plan and a stand-alone
prescription drug plan.
Mr. Torres has a small savings account. He would like to pay for his monthly
Part D premiums with an automatic monthly withdrawal from his savings
account until it is exhausted, and then have his premiums withheld from his
Social Security check. What should you tell him? - CORRECT ANSWER -In
general, he must select a single Part D premium payment mechanism that will
be used throughout the year.
Agent Jennings makes a presentation on Medicare advertised as an educational
event. Agent Jennings distributes materials that are solely educational in nature.
However, she gives a brief presentation that mentions plan-specific premiums.
Is this a prohibited activity at an
, event that has been advertised as educational? - CORRECT ANSWER -Yes.
When an event has been advertised as "educational," discussing plan-specific
premiums is impermissible.
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A, she
is not enrolled under Medicare Part B. What should you tell her? - CORRECT
ANSWER -Everyone who is entitled to Part A or enrolled under Part B is
eligible to enroll in a Medicare prescription drug plan. As long as Mrs. Mulcahy
is entitled to Part A, she does not need to enroll under Part B before enrolling in
a prescription drug plan.
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? - CORRECT 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.
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent
health and will have considerable income when she retires. She is concerned
that her income will make it impossible for her to qualify for Medicare. What
could you tell her to address her concern?
- CORRECT ANSWER -Medicare is a program for people age 65 or older
and those under age 65 with certain disabilities, end stage renal disease or Lou
Gehrig's disease, so she will be eligible for Medicare.
