Ahip Testing 2026 685
Questions Graded A+
Agent Harriet Walker Has Recently Begun Marketing Medicare Advantage And Related Products Aimed
At Meeting The Needs Of Senior Citizens. Client Mildred Jones Has Expressed Interest In A Medicare
Advantage Plan. It Is Now The Beginning Of September. If You Were In Agent Walker's Position, What
Would You Do? Correct Answer: Inquire Whether The Client Qualifies For A Special Enrollment Period,
And If Not, Solicit An Enrollment Application Once The Annual Open Enrollment Election Period Begins
On October 15th.
Mrs. Fields Wants To Know Whether Applying For The Part D Low Income Subsidy Will Be Worth The
Time To Fill Out The Paperwork. What Could You Tell Her? Correct Answer: The Part D Low Income
Subsidy Could Substantially Lower Her Overall Costs. She Can Apply By Contacting Her State Medicaid
Office, Or Calling The Social Security Administration
Mr. Wendt Suffers From Diabetes Which Has Gotten Progressively Worse During The Last Year. He Is
Currently Enrolled In Original Medicare (Parts A And B) And A Part D Prescription Drug Plan And Did Not
Enroll In A Medicare Advantage (Ma) Plan During The Last Annual Open Enrollment Period (Aep) Which
Has Just Closed. Mr. Wendt Has Heard Certain Ma Plans Might Provide Him With More Specialized
Coverage For His Diabetes And Wants To Know If He Must Wait Until The Next Annual Open Enrollment
Period (Aep) Before Enrolling In Such A Plan. What Should You Tell Him? Correct Answer: If There Is A
Special Needs Plan (Snp) In Mr. Wendt's Area That Specializes In Caring For Individuals With Diabetes, He
May Enroll In The Snp At Any Time Under A Special Election Period (Sep)
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
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? Correct 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.
Mr. Hernandez Is Concerned That If He Signs Up For A Medicare Advantage Plan, The Health Plan May, At
Some Time In The Future, Reduce His Benefits Below What Is Available In Original Medicare. What Should
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per year?
, You Tell Him About His Concern? Correct Answer: Medicare Health Plans Must Cover All Benefits Available
Under Medicare Part A And Part B. Many Also Cover Part D Prescription Drugs.
Mrs. Raskin Is A Widow Who Will Attain Aged 65 And Enroll In Medicare In Just A Few Weeks. She
Concerned About Having Prescription Drug Coverage. Which Of The Following Statements Provides The
Best Advice? Correct Answer: Prescription Drug Coverage Can Be Obtained By Enrolling In A Medicare
Advantage Plan That Includes Part D Coverage.
Mrs. Willard Wants To Know Generally How The Benefits Under Original Medicare Might Compare To
The Benefit Package Of A Medicare Health Plan Before She Starts Looking At Specific Plans. What Could
You Tell Her? Correct Answer: Medicare Health Plans May Offer Extra Benefits That Original Medicare
Does Not
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Offer Such As Vision, Hearing, And Dental Services And Must Include A Maximum Out-Of-Pocket Limit
On Part A And Part B Services.
Mr. Meoni's Wife Has A Medicare Advantage Plan, But He Wants To Understand What Coverage
Medicare Supplemental Insurance Provides Since His Health Care Needs Are Different From His Wife's
Needs. What Could You Tell Mr.Meoni? Correct Answer: Medicare Supplemental Insurance Would Help
Cover His Part A And Part B Cost Sharing In Original Fee-For-Service (Ffs) Medicare As Well As Possibly
Some Services That Medicare Does Not Cover.28
Mrs. Chen Will Be 65 Soon, Has Been A Citizen For Twelve Years, Has Been Employed Full Time, And
Paid Taxes During That Entire Period. She Is Concerned That She Will Not Qualify For Coverage Under
Part A Because She Was Not Born In The United States. What Should You Tell Her? Correct Answer:
Most Individuals Who Are Citizens And Over Age 65 Are Covered Under Part A By Virtue Of Having Paid
Medicare Taxes While Working, Though Some May Be Covered As A Result Of Paying Monthly
Premiums.
Mr. Bauer Is 49 Years Old, But Eighteen Months Ago He Was Declared Disabled By The Social
Security Administration And Has Been Receiving Disability Payments. He Is Wondering Whether He
Can Obtain Coverage Under Medicare. What Should You Tell Him? Correct Answer: After Receiving
Such Disability Payments For 24 Months, He Will Be Automatically Enrolled In Medicare, Regardless
Of Age.
Mr. Davis Is 49 Years Old And Has Been Receiving Disability Benefits From The Social Security
Administration For 12 Months. Can You Sell Him A Medicare Advantage Or Part D Prescription Drug
Policy? Correct Answer: No, He Cannot Purchase A Medicare Advantage Or Part D Policy Because He Has
Not Received Social Security Or Railroad Retirement Disability Benefits For 24 Months.
Ms. Henderson Believes That She Will Qualify For Medicare Coverage When She Turns 65, Without
Paying Any Premiums, Because She Has Been Working For 40 Years And Paying Medicare Taxes. What
Should You Tell Her? Correct Answer: In Order To Obtain Part B Coverage, She Must Pay A Standard
Monthly Premium, Though It Is Higher For Individuals With Higher Incomes.
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 C8those 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? Correct Answer: Mr. Diaz Will Not Pay Any Penalty Because He Had Continuous
Coverage Under His Employer's Plan.
Mrs. Peňa Is 66 Years Old, Has Coverage Under An Employer Plan And Will Retire Next Year. She Heard
She Must Enroll In Part B At The Beginning Of The Year To Ensure No Gap In Coverage. What Can You
Tell Her? Correct Answer: She May Enroll At Any Time While She Is Covered Under Her Employer Plan,
But She Will Have A Special Eight-Month Enrollment Period That Differs From The Standard General
Enrollment Period, During Which She May Enroll In Medicare Part B.
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Mrs. Kelly Is Entitled To Part A, But Is Not Yet Enrolled In Part B. She Is Considering Enrollment In A
Medicare Health Plan. What Should You Advise Her To Do Before She Will Be Able To Enroll Into A
Medicare Health Plan? Correct Answer: In Order To Join A Medicare Health Plan, She Also Must Enroll In
Part B.
Mrs. Park Has A Low, Fixed Income. What Could You Tell Her That Might Be Of Assistance? Correct
Answer: She Should Contact Her State Medicaid Agency To See If She Qualifies For One Of Several
Programs That Can Help With Medicare Costs For Which She Is Responsible.
Mr. Yu Has Limited Income And Resources So You Have Encouraged Him To See If He Qualifies For Some
Type Of Financial Assistance. Mr. Yu Is Not Sure It Is Worth The Trouble To Apply And Wants To Know
What The Assistance Could Do For Him If He Qualifies. What Could You Tell Him? Correct Answer: He
Might Qualify For Help With Part D Prescription Drug Costs And Help Paying Part A And/Or Part B
Premiums, Deductibles, And/Or Cost Sharing.
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 As A Result Of An Illness. In General Terms, What Could You Tell Him About
His Costs For Inpatient Hospital Services Under Original Medicare? Correct 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 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
Mrs. Shields Is Covered By Original Medicare. She Sustained A Hip Fracture And Is Being Successfully
Treated For That Condition. However, She And Her Physicians Feel That After Her Lengthy Hospital
Stay She Will Need A Month Or Two Of Nursing And Rehabilitative Care. What Should You Tell Them
About Original Medicare's Coverage Of Care In A Skilled Nursing Facility? Correct Answer: Medicare
Will Cover Mrs. Schmidt's Skilled Nursing Services Provided During The First 20 Days Of Her Stay, After
Which She Would Have A Coinsurance Until She Has Been In The Facility For 100 Days
Mr. Rainey Is Experiencing Paranoid Delusions And His Physician Feels That He Should Be
Hospitalized. What Should You Tell Mr. Rainey (Or His Representative) About The Length Of An
Inpatient Psychiatric Hospital Stay That Medicare Will Cover? Correct Answer: Medicare Will Cover
A Total Of 190 Days Of Inpatient Psychiatric Care During Mr. Rainey's Entire Lifetime.
Mrs. Quinn Has Just Turned 65 And Received A Letter Informing Her That She Has Been
Automatically Enrolled In Medicare Part B. She Wants To Understand What This Means. What
Should You Tell Mrs. Quinn? Correct Answer: Part B Primarily Covers Physician Services. She Will Be
Paying A Monthly Premium And, With The Exception Of Many Preventive And Screening Tests,
Generally Will Have 20% Co- Payments For These Services, In Addition To An Annual Deductible.
Mr. Buck Has Several Family Members Who Died From Different Cancers. He Wants To Know If
Medicare Covers Cancer Screening. What Should You Tell Him? Correct Answer: Medicare Covers
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extra per year?
Questions Graded A+
Agent Harriet Walker Has Recently Begun Marketing Medicare Advantage And Related Products Aimed
At Meeting The Needs Of Senior Citizens. Client Mildred Jones Has Expressed Interest In A Medicare
Advantage Plan. It Is Now The Beginning Of September. If You Were In Agent Walker's Position, What
Would You Do? Correct Answer: Inquire Whether The Client Qualifies For A Special Enrollment Period,
And If Not, Solicit An Enrollment Application Once The Annual Open Enrollment Election Period Begins
On October 15th.
Mrs. Fields Wants To Know Whether Applying For The Part D Low Income Subsidy Will Be Worth The
Time To Fill Out The Paperwork. What Could You Tell Her? Correct Answer: The Part D Low Income
Subsidy Could Substantially Lower Her Overall Costs. She Can Apply By Contacting Her State Medicaid
Office, Or Calling The Social Security Administration
Mr. Wendt Suffers From Diabetes Which Has Gotten Progressively Worse During The Last Year. He Is
Currently Enrolled In Original Medicare (Parts A And B) And A Part D Prescription Drug Plan And Did Not
Enroll In A Medicare Advantage (Ma) Plan During The Last Annual Open Enrollment Period (Aep) Which
Has Just Closed. Mr. Wendt Has Heard Certain Ma Plans Might Provide Him With More Specialized
Coverage For His Diabetes And Wants To Know If He Must Wait Until The Next Annual Open Enrollment
Period (Aep) Before Enrolling In Such A Plan. What Should You Tell Him? Correct Answer: If There Is A
Special Needs Plan (Snp) In Mr. Wendt's Area That Specializes In Caring For Individuals With Diabetes, He
May Enroll In The Snp At Any Time Under A Special Election Period (Sep)
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
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? Correct 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.
Mr. Hernandez Is Concerned That If He Signs Up For A Medicare Advantage Plan, The Health Plan May, At
Some Time In The Future, Reduce His Benefits Below What Is Available In Original Medicare. What Should
Downloaded by: TUTORNELSON | Want to earn $1.236 Distribution of this document is illegal extra
per year?
, You Tell Him About His Concern? Correct Answer: Medicare Health Plans Must Cover All Benefits Available
Under Medicare Part A And Part B. Many Also Cover Part D Prescription Drugs.
Mrs. Raskin Is A Widow Who Will Attain Aged 65 And Enroll In Medicare In Just A Few Weeks. She
Concerned About Having Prescription Drug Coverage. Which Of The Following Statements Provides The
Best Advice? Correct Answer: Prescription Drug Coverage Can Be Obtained By Enrolling In A Medicare
Advantage Plan That Includes Part D Coverage.
Mrs. Willard Wants To Know Generally How The Benefits Under Original Medicare Might Compare To
The Benefit Package Of A Medicare Health Plan Before She Starts Looking At Specific Plans. What Could
You Tell Her? Correct Answer: Medicare Health Plans May Offer Extra Benefits That Original Medicare
Does Not
Downloaded by: TUTORNELSON | Want to earn $1.236 Distribution of this document is illegal extra
per year?
,Stuvia.com - The Marketplace to Buy and Sell your Study Material
Offer Such As Vision, Hearing, And Dental Services And Must Include A Maximum Out-Of-Pocket Limit
On Part A And Part B Services.
Mr. Meoni's Wife Has A Medicare Advantage Plan, But He Wants To Understand What Coverage
Medicare Supplemental Insurance Provides Since His Health Care Needs Are Different From His Wife's
Needs. What Could You Tell Mr.Meoni? Correct Answer: Medicare Supplemental Insurance Would Help
Cover His Part A And Part B Cost Sharing In Original Fee-For-Service (Ffs) Medicare As Well As Possibly
Some Services That Medicare Does Not Cover.28
Mrs. Chen Will Be 65 Soon, Has Been A Citizen For Twelve Years, Has Been Employed Full Time, And
Paid Taxes During That Entire Period. She Is Concerned That She Will Not Qualify For Coverage Under
Part A Because She Was Not Born In The United States. What Should You Tell Her? Correct Answer:
Most Individuals Who Are Citizens And Over Age 65 Are Covered Under Part A By Virtue Of Having Paid
Medicare Taxes While Working, Though Some May Be Covered As A Result Of Paying Monthly
Premiums.
Mr. Bauer Is 49 Years Old, But Eighteen Months Ago He Was Declared Disabled By The Social
Security Administration And Has Been Receiving Disability Payments. He Is Wondering Whether He
Can Obtain Coverage Under Medicare. What Should You Tell Him? Correct Answer: After Receiving
Such Disability Payments For 24 Months, He Will Be Automatically Enrolled In Medicare, Regardless
Of Age.
Mr. Davis Is 49 Years Old And Has Been Receiving Disability Benefits From The Social Security
Administration For 12 Months. Can You Sell Him A Medicare Advantage Or Part D Prescription Drug
Policy? Correct Answer: No, He Cannot Purchase A Medicare Advantage Or Part D Policy Because He Has
Not Received Social Security Or Railroad Retirement Disability Benefits For 24 Months.
Ms. Henderson Believes That She Will Qualify For Medicare Coverage When She Turns 65, Without
Paying Any Premiums, Because She Has Been Working For 40 Years And Paying Medicare Taxes. What
Should You Tell Her? Correct Answer: In Order To Obtain Part B Coverage, She Must Pay A Standard
Monthly Premium, Though It Is Higher For Individuals With Higher Incomes.
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 C8those 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? Correct Answer: Mr. Diaz Will Not Pay Any Penalty Because He Had Continuous
Coverage Under His Employer's Plan.
Mrs. Peňa Is 66 Years Old, Has Coverage Under An Employer Plan And Will Retire Next Year. She Heard
She Must Enroll In Part B At The Beginning Of The Year To Ensure No Gap In Coverage. What Can You
Tell Her? Correct Answer: She May Enroll At Any Time While She Is Covered Under Her Employer Plan,
But She Will Have A Special Eight-Month Enrollment Period That Differs From The Standard General
Enrollment Period, During Which She May Enroll In Medicare Part B.
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extra per year?
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Mrs. Kelly Is Entitled To Part A, But Is Not Yet Enrolled In Part B. She Is Considering Enrollment In A
Medicare Health Plan. What Should You Advise Her To Do Before She Will Be Able To Enroll Into A
Medicare Health Plan? Correct Answer: In Order To Join A Medicare Health Plan, She Also Must Enroll In
Part B.
Mrs. Park Has A Low, Fixed Income. What Could You Tell Her That Might Be Of Assistance? Correct
Answer: She Should Contact Her State Medicaid Agency To See If She Qualifies For One Of Several
Programs That Can Help With Medicare Costs For Which She Is Responsible.
Mr. Yu Has Limited Income And Resources So You Have Encouraged Him To See If He Qualifies For Some
Type Of Financial Assistance. Mr. Yu Is Not Sure It Is Worth The Trouble To Apply And Wants To Know
What The Assistance Could Do For Him If He Qualifies. What Could You Tell Him? Correct Answer: He
Might Qualify For Help With Part D Prescription Drug Costs And Help Paying Part A And/Or Part B
Premiums, Deductibles, And/Or Cost Sharing.
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 As A Result Of An Illness. In General Terms, What Could You Tell Him About
His Costs For Inpatient Hospital Services Under Original Medicare? Correct 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 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
Mrs. Shields Is Covered By Original Medicare. She Sustained A Hip Fracture And Is Being Successfully
Treated For That Condition. However, She And Her Physicians Feel That After Her Lengthy Hospital
Stay She Will Need A Month Or Two Of Nursing And Rehabilitative Care. What Should You Tell Them
About Original Medicare's Coverage Of Care In A Skilled Nursing Facility? Correct Answer: Medicare
Will Cover Mrs. Schmidt's Skilled Nursing Services Provided During The First 20 Days Of Her Stay, After
Which She Would Have A Coinsurance Until She Has Been In The Facility For 100 Days
Mr. Rainey Is Experiencing Paranoid Delusions And His Physician Feels That He Should Be
Hospitalized. What Should You Tell Mr. Rainey (Or His Representative) About The Length Of An
Inpatient Psychiatric Hospital Stay That Medicare Will Cover? Correct Answer: Medicare Will Cover
A Total Of 190 Days Of Inpatient Psychiatric Care During Mr. Rainey's Entire Lifetime.
Mrs. Quinn Has Just Turned 65 And Received A Letter Informing Her That She Has Been
Automatically Enrolled In Medicare Part B. She Wants To Understand What This Means. What
Should You Tell Mrs. Quinn? Correct Answer: Part B Primarily Covers Physician Services. She Will Be
Paying A Monthly Premium And, With The Exception Of Many Preventive And Screening Tests,
Generally Will Have 20% Co- Payments For These Services, In Addition To An Annual Deductible.
Mr. Buck Has Several Family Members Who Died From Different Cancers. He Wants To Know If
Medicare Covers Cancer Screening. What Should You Tell Him? Correct Answer: Medicare Covers
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