AHIP 2023/2024 STUDY SET Module 1-5 100% CORRECT ANSWERS | ALREADY PASSED

AHIP 2023/2024 STUDY SET Module
1-5 100% CORRECT ANSWERS |
ALREADY PASSED
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? - ANSWER Medicare is a program for people age
65 or older and those under age 65 with certain disabilities, endstage renal disease, and 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? - 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.
Agent John Miller is meeting with Jerry Smith, a new prospect.
Jerry is currently enrolled in Medicare Parts A and B. Jerry has
also purchased a Medicare Supplement (Medigap) plan which he
has had for several years. However, the plan does not provide
drug benefits. How would you advise Agent John Miller to
proceed? - ANSWER Tell prospect Jerry Smith that he should
consider adding a standalone Part D prescription drug coverage
policy to his present coverage.
Mr. Davis is 52 years old and has recently been diagnosed with
end-stage renal disease (ESRD) and will soon begin dialysis. He
is wondering if he can obtain coverage under Medicare. What
should you tell him? - ANSWER He may sign-up for Medicare at
any time however coverage usually begins on the fourth month
after dialysis treatments start.
Juan Perez, who is turning age 65 next month, intends to work for
several more years at Smallcap, Incorporated. Smallcap has a
workforce of15 employees and offers employer-sponsored
healthcare coverage. Juan is a naturalized citizen and has
contributed to the Medicare system for over 20 years. Juan asks
you if he will be entitled to Medicare and if he enrolls how that will
impact his employer-sponsored healthcare coverage. How would
you respond? - ANSWER Juan is likely to be eligible for
Medicare once he turns age 65 and if he enrolls Medicare would
become the primary payor of his healthcare claims and Smallcap
does not have to continue to offer him coverage comparable to
those under age 65 under its employer-sponsored group health
plan.
Mr. Moy'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. Moy? - ANSWER Medicare
Supplemental Insurance would help cover his Part A and Part B
deductibles or coinsurance in Original Fee-for-Service (FFS)
Medicare as well as possibly some services that Medicare does
not cover.
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? - 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 after the last month on her
employer plan that differs from the standard general enrollment
period, during which she may enroll in Medicare Part B.
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? - ANSWER Most individuals who are
citizens and age 65 or over 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.
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap
policy as well, but it provides no drug coverage. She would like to
keep the coverage she has but replace her existing Medigap plan
with one that provides drug coverage. What should you tell her? -
ANSWER Mrs. Gonzalez cannot purchase a Medigap plan that
covers drugs, but she could keep her Medigap policy and enroll in
a Part D prescription