AHIP FInAl ExAm lAtEst (2025/2026) | 50
VErIFIEd QuEstIons And CorrECt AnswErs |
A+ GrAdEd
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? - 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? - 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? - 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? - Answer-In general, he must select a single Part D
premium payment mechanism that will be used throughout the year.
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC
Health Plan, a Medicare Advantage (MA) plan that offers plans in multiple states.
XYZ Agency maintains a website marketing the MA plans with which it has
contracts. Agent Armstrong follows up with individuals who request more
information about ABC MA plans via the website and tries to persuade them to
enroll in ABC plans. What statement best describes the marketing and compliance
rules that apply to Agent Armstrong? - Answer-Agent Armstrong needs to be
licensed and appointed in every state in which beneficiaries to whom he markets
ABC MA plans are located.
Mr. Schmidt would like to plan for retirement and has asked you what is covered
under Original Fee-for-Service (FFS) Medicare? What could you tell him? - Answer-
Part A, which covers hospital, skilled nursing facility, hospice and home health
services and Part B, which covers professional services such as those provided by a
doctor are covered under Original Medicare.
You are seeking to represent an individual Medicare Advantage plan and an
individual Part D plan in your state. You have completed the required training for
each plan, but you did not achieve a passing score on the tests that came after the
training. What can you do in this situation? - Answer-You will not be able to
represent any Medicare Advantage or Part D plan until you complete the training
and achieve an adequate score, although you will not have to take a test if you
exclusively market employer/union group plans and the companies do not require
testing.
VErIFIEd QuEstIons And CorrECt AnswErs |
A+ GrAdEd
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? - 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? - 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? - 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? - Answer-In general, he must select a single Part D
premium payment mechanism that will be used throughout the year.
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC
Health Plan, a Medicare Advantage (MA) plan that offers plans in multiple states.
XYZ Agency maintains a website marketing the MA plans with which it has
contracts. Agent Armstrong follows up with individuals who request more
information about ABC MA plans via the website and tries to persuade them to
enroll in ABC plans. What statement best describes the marketing and compliance
rules that apply to Agent Armstrong? - Answer-Agent Armstrong needs to be
licensed and appointed in every state in which beneficiaries to whom he markets
ABC MA plans are located.
Mr. Schmidt would like to plan for retirement and has asked you what is covered
under Original Fee-for-Service (FFS) Medicare? What could you tell him? - Answer-
Part A, which covers hospital, skilled nursing facility, hospice and home health
services and Part B, which covers professional services such as those provided by a
doctor are covered under Original Medicare.
You are seeking to represent an individual Medicare Advantage plan and an
individual Part D plan in your state. You have completed the required training for
each plan, but you did not achieve a passing score on the tests that came after the
training. What can you do in this situation? - Answer-You will not be able to
represent any Medicare Advantage or Part D plan until you complete the training
and achieve an adequate score, although you will not have to take a test if you
exclusively market employer/union group plans and the companies do not require
testing.
