AHIP 2024 final exam | Questions and Verified Answers | Latest Version

Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What
could you tell Mrs. Park that might be of assistance? -----Correct Answer----
-She should contact her state Medicaid agency to see if she qualifies
forprograms that can help with Medicare costs for which she is responsible.
Madeline Martinez was widowed several years ago. Her husband worked
for many years and contributed into the Medicare system. He also left a
substantial estate which provides Madeline with an annual income of
approximately $130,000. Madeline, who has only worked part-time for the
last three years, will soon turn age 65 and hopes to enroll in Original
Medicare. She comes to you for advice. What should you tell her? -----
Correct Answer---- You should tell Madeline that she will be able to enroll in
Medicare Part A without paying monthly premiums due to her husband's
long work record and participation in the Medicare system. You should also
tell Madeline that she will pay Part B premiums at more than the standard
lowest rate but less than the highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared
disabled by the Social Security Administration and has been receiving
disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him -----Correct Answer---- After
receiving such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
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.
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? -----Correct
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
that differs from the standard general enrollment period, during which she
may enroll in Medicare Part B.
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? -----Correct Answer ---- Tell prospect Jerry
Smith that he should consider adding a standalone Part D prescription drug
coverage policy to his present coverage.
Mr. Diaz continued working with his company and was insured under his
employer's group plan until he reached age 68. He has heard that there is
a premium penalty for those who did not sign up for Part B when first
eligible and wants to know how much he will have to pay. What should you
tell him? -----Correct Answer---- The penalty will be a permanent 10%
increase in his Part B premium for every 12-month period that passed
during which he could have enrolled and did not.
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, and Lou
Gehrig's disease so she will be eligible for Medicare.
Mildred Savage enrolled in Allcare Medicare Advantage plan several years
ago. Mildred recently learned that she is suffering from inoperable cancer
and has just a few months to live. She would like to spend these final
months in hospice care. Mildred's family asks you whether hospice benefits
will be paid for under the Allcare Medicare Advantage plan. What should
you say? -----Correct Answer---- Mildred may remain enrolled in Allcare
and make a hospice election. Hospice benefits will be paid for by Original
Medicare under Part A and Allcare will continue to pay for any non-hospice
services