AHIP 2024|25 FINAL EXAM|\50 ACTUAL
QUESTIONS & CORRECT ANSWERS
1. Mrs. Park is an elderly retiree. Mrs. Park has a She should contact her state Med-
low fixed income. What could you tell Mrs. Park icaid agency to see if she quali-
that might be of assistance? fies forprograms that can help with
Medicare costs for which she is re-
sponsible.
2. Madeline Martinez was widowed several years You should tell Madeline that she
ago. Her husband worked for many years and will be able to enroll in Medicare
contributed into the Medicare system. He also Part A without paying monthly pre-
left a substantial estate which provides Made- miums due to her husband's long
line with an annual income of approximate- work record and participation in the
ly $130,000. Madeline, who has only worked Medicare system. You should also
part-time for the last three years, will soon turn tell Madeline that she will pay Part B
age 65 and hopes to enroll in Original Medicare. premiums at more than the standard
She comes to you for advice. What should you lowest rate but less than the highest
tell her? rate due her substantial income.
3. Mr. Bauer is 49 years old, but eighteen months After receiving such disability pay-
ago he was declared disabled by the Social Se- ments for 24 months, he will be au-
curity Administration and has been receiving tomatically enrolled in Medicare, re-
disability payments. He is wondering whether gardless of age.
he can obtain coverage under Medicare. What
should you tell him
4. Mr. Schmidt would like to plan for retirement Part A, which covers hospital, skilled
and has asked you what is covered under Orig- nursing facility, hospice and home
inal Fee-for-Service (FFS) Medicare? What could health services and Part B, which
you tell him? covers professional services such as
those provided by a doctor are cov-
ered under Original Medicare.
5.
, AHIP 2024|25 FINAL EXAM|\50 ACTUAL
QUESTIONS & CORRECT ANSWERS
Mrs. Peňa is 66 years old, has coverage under She may enroll at any time while
an employer plan, and will retire next year. She she is covered under her employer
heard she must enroll in Part B at the beginning plan, but she will have a special eight
of the year to ensure no gap in coverage. What month enrollment period that ditters
can you tell her? from the standard general enroll-
ment period, during which she may
enroll in Medicare Part B.
6. Agent John Miller is meeting with Jerry Smith, Tell prospect Jerry Smith that he
a new prospect. Jerry is currently enrolled in should consider adding a stand-
Medicare Parts A and B. Jerry has also pur- alone Part D prescription drug cov-
chased a Medicare Supplement (Medigap) plan erage policy to his present coverage.
which he has had for several years. However, the
plan does not provide drug benefits. How would
you advise Agent John Miller to proceed?
7. Mr. Diaz continued working with his company The penalty will be a permanent 10%
and was insured under his employer's group increase in his Part B premium for
plan until he reached age 68. He has heard that every 12-month period that passed
there is a premium penalty for those who did during which he could have enrolled
not sign up for Part B when first eligible and and did not.
wants to know how much he will have to pay.
What should you tell him?
8. Ms. Moore plans to retire when she turns 65 Medicare is a program for peo-
in a few months. She is in excellent health and ple age 65 or older and those un-
will have considerable income when she retires. der age 65 with certain disabilities,
She is concerned that her income will make it end-stage renal disease, and Lou
impossible for her to qualify for Medicare. What Gehrig's disease so she will be eligi-
could you tell her to address her concern? ble for Medicare.
9. Mildred Savage enrolled in Allcare Medicare Ad- Mildred may remain enrolled in All-
QUESTIONS & CORRECT ANSWERS
1. Mrs. Park is an elderly retiree. Mrs. Park has a She should contact her state Med-
low fixed income. What could you tell Mrs. Park icaid agency to see if she quali-
that might be of assistance? fies forprograms that can help with
Medicare costs for which she is re-
sponsible.
2. Madeline Martinez was widowed several years You should tell Madeline that she
ago. Her husband worked for many years and will be able to enroll in Medicare
contributed into the Medicare system. He also Part A without paying monthly pre-
left a substantial estate which provides Made- miums due to her husband's long
line with an annual income of approximate- work record and participation in the
ly $130,000. Madeline, who has only worked Medicare system. You should also
part-time for the last three years, will soon turn tell Madeline that she will pay Part B
age 65 and hopes to enroll in Original Medicare. premiums at more than the standard
She comes to you for advice. What should you lowest rate but less than the highest
tell her? rate due her substantial income.
3. Mr. Bauer is 49 years old, but eighteen months After receiving such disability pay-
ago he was declared disabled by the Social Se- ments for 24 months, he will be au-
curity Administration and has been receiving tomatically enrolled in Medicare, re-
disability payments. He is wondering whether gardless of age.
he can obtain coverage under Medicare. What
should you tell him
4. Mr. Schmidt would like to plan for retirement Part A, which covers hospital, skilled
and has asked you what is covered under Orig- nursing facility, hospice and home
inal Fee-for-Service (FFS) Medicare? What could health services and Part B, which
you tell him? covers professional services such as
those provided by a doctor are cov-
ered under Original Medicare.
5.
, AHIP 2024|25 FINAL EXAM|\50 ACTUAL
QUESTIONS & CORRECT ANSWERS
Mrs. Peňa is 66 years old, has coverage under She may enroll at any time while
an employer plan, and will retire next year. She she is covered under her employer
heard she must enroll in Part B at the beginning plan, but she will have a special eight
of the year to ensure no gap in coverage. What month enrollment period that ditters
can you tell her? from the standard general enroll-
ment period, during which she may
enroll in Medicare Part B.
6. Agent John Miller is meeting with Jerry Smith, Tell prospect Jerry Smith that he
a new prospect. Jerry is currently enrolled in should consider adding a stand-
Medicare Parts A and B. Jerry has also pur- alone Part D prescription drug cov-
chased a Medicare Supplement (Medigap) plan erage policy to his present coverage.
which he has had for several years. However, the
plan does not provide drug benefits. How would
you advise Agent John Miller to proceed?
7. Mr. Diaz continued working with his company The penalty will be a permanent 10%
and was insured under his employer's group increase in his Part B premium for
plan until he reached age 68. He has heard that every 12-month period that passed
there is a premium penalty for those who did during which he could have enrolled
not sign up for Part B when first eligible and and did not.
wants to know how much he will have to pay.
What should you tell him?
8. Ms. Moore plans to retire when she turns 65 Medicare is a program for peo-
in a few months. She is in excellent health and ple age 65 or older and those un-
will have considerable income when she retires. der age 65 with certain disabilities,
She is concerned that her income will make it end-stage renal disease, and Lou
impossible for her to qualify for Medicare. What Gehrig's disease so she will be eligi-
could you tell her to address her concern? ble for Medicare.
9. Mildred Savage enrolled in Allcare Medicare Ad- Mildred may remain enrolled in All-
