AHIP Final Exam Test Questions
WOTH CORRECT SOLUTIONS GRADED
A+
1. Mrs. LYON 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.
2. 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.
3. 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.
, 4. 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.
5. 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? - ANSWER-Yes. When an event has been
advertised as "educational," discussing plan-specific
premiums is impermissible.
6. 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? - 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.
7. 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.
WOTH CORRECT SOLUTIONS GRADED
A+
1. Mrs. LYON 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.
2. 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.
3. 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.
, 4. 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.
5. 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? - ANSWER-Yes. When an event has been
advertised as "educational," discussing plan-specific
premiums is impermissible.
6. 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? - 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.
7. 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.
