2024 AHIP MODULE 3 EXAM WITH
CORRECT ANSWERS
Mr. Rice has coverage for medical services and medications through his
employer's retiree plan. He is considering switching to a Medicare
prescription drug plan because his retiree plan does not cover two important
medications. What should he consider before making a change? - CORRECT-
ANSWERSc. If Mr. Rice drops his drug coverage through the retiree plan, he
may not be able to get it back and he also may lose his medical health
coverage. Correct
Mr. Shultz was still working when he first qualified for Medicare. At that time,
he had employer group coverage that was creditable. During his initial Part D
eligibility period, he decided not to enroll because he was satisfied with his
drug coverage. It is now a year later and Mr. Shultz has lost his employer
group coverage. How would you advise him? - CORRECT-ANSWERSb. Mr.
Schultz should enroll in a Part D plan before he has a 63-day break in
coverage in order to avoid a premium penalty. Correct
Mr. Katz reached the Part D coverage gap in August last year. His
prescriptions have not changed, he is keeping the same Part D plan and the
benefits, cost-sharing, and coverage of his drugs are all the same as last
year. He asked what to expect for this year about his out-of-pocket costs.
What could you tell him? - CORRECT-ANSWERSd. Because he reached the
coverage gap last year, he will probably reach it again this year close to the
same time. Correct
Mrs. Grant uses several very expensive drugs and anticipates that she will
enter catastrophic coverage at some point during the year. To help her
determine when she is likely to qualify for catastrophic coverage, she asked
which expenses count toward the out-of-pocket limit that qualifies her for
catastrophic coverage. Which one of the following would count? - CORRECT-
ANSWERSa. Prescription drugs she purchases when in the Part D coverage
gap. Correct
Mr. Shapiro gets by on a very small fixed income. He has heard there may be
extra help paying for Part D prescription drugs for Medicare beneficiaries
with limited income. He wants to know whether he might qualify. What
should you tell him? - CORRECT-ANSWERSb. The extra help is available to
beneficiaries whose income and assets do not exceed annual limits specified
by the government. Correct
, 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-ANSWERSb. 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. Correct
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-ANSWERSa. 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. Correct
Mrs. Fiore was in the Army for 35 years and is now retired. She has drug
coverage through the VA. What issues might she consider with regard to
whether to enroll in a Medicare prescription drug plan? - CORRECT-
ANSWERSa. She could compare the coverage to see if the Medicare Part D
plan offers better benefits and coverage than the VA for the specific
medications she needs and whether any additional benefits are worth the
Part D premium costs. Correct
Mr. Hutchinson has drug coverage through his former employer's retiree
plan. He is concerned about the Part D premium penalty if he does not enroll
in a Medicare prescription drug plan, but does not want to purchase extra
coverage that he will not need. What should you tell him? - CORRECT-
ANSWERSb. If the drug coverage he has is not expected to pay, on average,
at least as much as Medicare's standard Part D coverage expects to pay,
then he will need to enroll in Medicare Part D during his initial eligibility
period to avoid the late enrollment penalty. Correct
Mrs. McIntire is enrolled in her state's Medicaid plan and has just become
eligible for Medicare as well. What can she expect will happen with respect
to her drug coverage? - CORRECT-ANSWERSc. Unless she chooses a
Medicare Part D prescription drug plan on her own, she will be automatically
enrolled in one available in her area. Correct
Mr. Carlini has heard that Medicare prescription drug plans are only offered
through private companies under a program known as Medicare Advantage
(MA), not by the government. He likes Original Medicare and does not want
CORRECT ANSWERS
Mr. Rice has coverage for medical services and medications through his
employer's retiree plan. He is considering switching to a Medicare
prescription drug plan because his retiree plan does not cover two important
medications. What should he consider before making a change? - CORRECT-
ANSWERSc. If Mr. Rice drops his drug coverage through the retiree plan, he
may not be able to get it back and he also may lose his medical health
coverage. Correct
Mr. Shultz was still working when he first qualified for Medicare. At that time,
he had employer group coverage that was creditable. During his initial Part D
eligibility period, he decided not to enroll because he was satisfied with his
drug coverage. It is now a year later and Mr. Shultz has lost his employer
group coverage. How would you advise him? - CORRECT-ANSWERSb. Mr.
Schultz should enroll in a Part D plan before he has a 63-day break in
coverage in order to avoid a premium penalty. Correct
Mr. Katz reached the Part D coverage gap in August last year. His
prescriptions have not changed, he is keeping the same Part D plan and the
benefits, cost-sharing, and coverage of his drugs are all the same as last
year. He asked what to expect for this year about his out-of-pocket costs.
What could you tell him? - CORRECT-ANSWERSd. Because he reached the
coverage gap last year, he will probably reach it again this year close to the
same time. Correct
Mrs. Grant uses several very expensive drugs and anticipates that she will
enter catastrophic coverage at some point during the year. To help her
determine when she is likely to qualify for catastrophic coverage, she asked
which expenses count toward the out-of-pocket limit that qualifies her for
catastrophic coverage. Which one of the following would count? - CORRECT-
ANSWERSa. Prescription drugs she purchases when in the Part D coverage
gap. Correct
Mr. Shapiro gets by on a very small fixed income. He has heard there may be
extra help paying for Part D prescription drugs for Medicare beneficiaries
with limited income. He wants to know whether he might qualify. What
should you tell him? - CORRECT-ANSWERSb. The extra help is available to
beneficiaries whose income and assets do not exceed annual limits specified
by the government. Correct
, 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-ANSWERSb. 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. Correct
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-ANSWERSa. 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. Correct
Mrs. Fiore was in the Army for 35 years and is now retired. She has drug
coverage through the VA. What issues might she consider with regard to
whether to enroll in a Medicare prescription drug plan? - CORRECT-
ANSWERSa. She could compare the coverage to see if the Medicare Part D
plan offers better benefits and coverage than the VA for the specific
medications she needs and whether any additional benefits are worth the
Part D premium costs. Correct
Mr. Hutchinson has drug coverage through his former employer's retiree
plan. He is concerned about the Part D premium penalty if he does not enroll
in a Medicare prescription drug plan, but does not want to purchase extra
coverage that he will not need. What should you tell him? - CORRECT-
ANSWERSb. If the drug coverage he has is not expected to pay, on average,
at least as much as Medicare's standard Part D coverage expects to pay,
then he will need to enroll in Medicare Part D during his initial eligibility
period to avoid the late enrollment penalty. Correct
Mrs. McIntire is enrolled in her state's Medicaid plan and has just become
eligible for Medicare as well. What can she expect will happen with respect
to her drug coverage? - CORRECT-ANSWERSc. Unless she chooses a
Medicare Part D prescription drug plan on her own, she will be automatically
enrolled in one available in her area. Correct
Mr. Carlini has heard that Medicare prescription drug plans are only offered
through private companies under a program known as Medicare Advantage
(MA), not by the government. He likes Original Medicare and does not want
