AHIP FINAL EXAM TEST QUESTIONS
AND ANSWERS
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? -
CORRECT 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? - CORRECT 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? -
CORRECT 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? - CORRECT ANSWER-In general, he must
select a single Part D premium payment mechanism that will be used throughout
the year.
, 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? -
CORRECT ANSWER-Yes. When an event has been advertised as "educational,"
discussing plan-specific premiums is impermissible.
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? - CORRECT
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.
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? - CORRECT 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.
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.
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? - CORRECT 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? -
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.
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
AND ANSWERS
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? -
CORRECT 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? - CORRECT 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? -
CORRECT 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? - CORRECT ANSWER-In general, he must
select a single Part D premium payment mechanism that will be used throughout
the year.
, 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? -
CORRECT ANSWER-Yes. When an event has been advertised as "educational,"
discussing plan-specific premiums is impermissible.
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? - CORRECT
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.
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? - CORRECT 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.
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.
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? - CORRECT 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? -
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.
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
