AHIP EXAM V3 QUESTIONS WITH COMPLETE SOLUTIONS
GUARANTEED PASS 2025/2026
Mrs. Quinn recently turned 66 and decided after many years of work to
retire and begin receiving Social Security benefits. Shortly thereafter
Mrs. Quinn received a letter informing her that she had been
automatically enrolled in Medicare Part B. She wants to understand
what this means. What should you tell Mrs. Quinn? - ANSWER->Part B
primarily covers physician services. She will be paying a monthly
premium and, except for many preventive and screening tests,
generally will have 20% co-payments for these services, in addition to
an annual deductible.
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 because of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare? - ANSWER->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.
What impact, if any, have recent regulatory changes had on Medigap
plans? - ANSWER->The Part B deductible is no longer covered for
individuals newly eligible for Medicare starting January 1, 2020.
,Mrs. Paterson is concerned about the deductibles and co-payments
associated with Original Medicare. What can you tell her about
Medigap as an option to address this concern? - ANSWER->Medigap
plans do not cover Original Medicare benefits, but they coordinate with
Original Medicare coverage.
Mrs. Turner is comparing her employer's retiree insurance to Original
Medicare and would like to know which of the following services
Original Medicare will cover if the appropriate criteria are met. What
could you tell her? - ANSWER->Original Medicare covers ambulance
services.
Ms. Brooks has aggressive cancer and would like to know if Medicare
will cover hospice services in case she needs them. What should you
tell her? - ANSWER->Medicare covers hospice services, and they will be
available for her.
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? - ANSWER->Mr. Diaz will not pay any penalty
because he had continuous coverage under his employer's plan.
Anita Magri will turn age 65 in August 2023. Anita intends to enroll in
Original Medicare Part A and Part B. She would also like to enroll in a
Medicare Supplement (Medigap) plan. Anita's older neighbor Mel has
told her about the Medigap Plan F in which he is enrolled. It not only
provides foreign travel emergency benefits but also covers his Medicare
Part B deductible. Anita comes to you for advice. What should you tell
, her? - ANSWER->You are sorry to disappoint Anita, but a Medigap F
plan is no longer available to those who turn age 65 after January 1,
2020. Anita might instead consider other Medigap plans that offer
foreign travel benefits but do not cover the Part B deductible.
Hank's Fish Store, Inc. is a small company with just 15 employees
located in Florida. Hank, the store owner, has provided excellent health
benefits to the store's workforce. William, one of the store's long-time
employees, will soon be reaching age 65 and eligible for Medicare.
William is in good health. He intends to remain an active full-time
employee, working several years after becoming eligible for Medicare.
What type(s) of retiree health benefit will Hank's Fish Store be able to
offer William? - ANSWER->Hank's can continue to offer William the
same employee health benefit plan, or, if William enrolls in Medicare
Part B, it can enroll him in a Medicare Advantage plan that is offered to
the public.
Mr. Sanchez has just turned 65 and is entitled to Part A but has not
enrolled in Part B because he has coverage through an employer plan. If
he wants to enroll in a Medicare Advantage plan, what will he have to
do? - ANSWER->He will have to enroll in Part B.
Mrs. Velasquez cares for her frail elderly mother, Maria, who lives in
North Carolina. She is worried that without additional support, her
mother will need to go into a nursing home. Mrs. Velasquez asks you if
there is any Medicare plan that might allow her mother to remain in
the community rather than going into a nursing home. How should you
advise Mrs. Velasquez? - ANSWER->There are Programs of All-Inclusive
Care for the Elderly (PACE) for frail elderly beneficiaries certified as
GUARANTEED PASS 2025/2026
Mrs. Quinn recently turned 66 and decided after many years of work to
retire and begin receiving Social Security benefits. Shortly thereafter
Mrs. Quinn received a letter informing her that she had been
automatically enrolled in Medicare Part B. She wants to understand
what this means. What should you tell Mrs. Quinn? - ANSWER->Part B
primarily covers physician services. She will be paying a monthly
premium and, except for many preventive and screening tests,
generally will have 20% co-payments for these services, in addition to
an annual deductible.
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 because of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare? - ANSWER->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.
What impact, if any, have recent regulatory changes had on Medigap
plans? - ANSWER->The Part B deductible is no longer covered for
individuals newly eligible for Medicare starting January 1, 2020.
,Mrs. Paterson is concerned about the deductibles and co-payments
associated with Original Medicare. What can you tell her about
Medigap as an option to address this concern? - ANSWER->Medigap
plans do not cover Original Medicare benefits, but they coordinate with
Original Medicare coverage.
Mrs. Turner is comparing her employer's retiree insurance to Original
Medicare and would like to know which of the following services
Original Medicare will cover if the appropriate criteria are met. What
could you tell her? - ANSWER->Original Medicare covers ambulance
services.
Ms. Brooks has aggressive cancer and would like to know if Medicare
will cover hospice services in case she needs them. What should you
tell her? - ANSWER->Medicare covers hospice services, and they will be
available for her.
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? - ANSWER->Mr. Diaz will not pay any penalty
because he had continuous coverage under his employer's plan.
Anita Magri will turn age 65 in August 2023. Anita intends to enroll in
Original Medicare Part A and Part B. She would also like to enroll in a
Medicare Supplement (Medigap) plan. Anita's older neighbor Mel has
told her about the Medigap Plan F in which he is enrolled. It not only
provides foreign travel emergency benefits but also covers his Medicare
Part B deductible. Anita comes to you for advice. What should you tell
, her? - ANSWER->You are sorry to disappoint Anita, but a Medigap F
plan is no longer available to those who turn age 65 after January 1,
2020. Anita might instead consider other Medigap plans that offer
foreign travel benefits but do not cover the Part B deductible.
Hank's Fish Store, Inc. is a small company with just 15 employees
located in Florida. Hank, the store owner, has provided excellent health
benefits to the store's workforce. William, one of the store's long-time
employees, will soon be reaching age 65 and eligible for Medicare.
William is in good health. He intends to remain an active full-time
employee, working several years after becoming eligible for Medicare.
What type(s) of retiree health benefit will Hank's Fish Store be able to
offer William? - ANSWER->Hank's can continue to offer William the
same employee health benefit plan, or, if William enrolls in Medicare
Part B, it can enroll him in a Medicare Advantage plan that is offered to
the public.
Mr. Sanchez has just turned 65 and is entitled to Part A but has not
enrolled in Part B because he has coverage through an employer plan. If
he wants to enroll in a Medicare Advantage plan, what will he have to
do? - ANSWER->He will have to enroll in Part B.
Mrs. Velasquez cares for her frail elderly mother, Maria, who lives in
North Carolina. She is worried that without additional support, her
mother will need to go into a nursing home. Mrs. Velasquez asks you if
there is any Medicare plan that might allow her mother to remain in
the community rather than going into a nursing home. How should you
advise Mrs. Velasquez? - ANSWER->There are Programs of All-Inclusive
Care for the Elderly (PACE) for frail elderly beneficiaries certified as
