2024 AHIP Medicare Training ( Brand New !!!)
Actual Questions and Answers 100% Correct
- Mr. Wu is eligible for Medicare. He has limited financial resources but failed to
qualify for the Part D low-income subsidy. Where might he turn for help with his prescription drug costs?Answer: -Mr. Wu may still qualify for help in paying Part D costs through his State Pharmaceutical Assistance Program.
- What impact, if any, will recent regulatory changes have upon Medigap plans?
Answer: -The Part B deductible will no longer be covered for individuals newly
eligible for Medicare starting January 1, 2020
- Mrs. Turner is comparing her employer's retiree insurance to Original Medicare
and would like to know which of the following services Original Medicare will cover if the appropriate criteria are met? What could you tell her?
Answer: -Original Medicare covers ambulance services.
- Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is cur- rently
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.
- Mrs. Paterson is concerned about the deductibles and co-payments associ- ated with
Original Medicare. What can you tell her about Medigap as an option to address this concern?Answer: -Medigap plans help beneficiaries cover coinsurance, co-payments, and/or deductibles for medically necessary services.
- Anita Magri will turn age 65 in August 2020. Anita intends to enroll in Original
Medicare Part A and Part B. She would also like to enroll in a Medicare Supplement (Medigap) plan. Anita's older neighbor Mel has told her about the Medigap Part F plan in which he is enrolled. It not only provides foreign travel emergency benefits 1 / 3
but also covers his Medicare Part B deductible. Anita comes to you for advice. What should you tell her?Answer: -You are sorry to disappoint Anita but a Medigap Part F plan is no longer available to those who turn age 65 after January 1,2020. Anita might instead consider other Medigap plans that offer foreign travel benefits but do not cover the Part B deductible.
- Mr. Singh would like drug coverage but does not want to be enrolled in a
Medicare Advantage plan. What should you tell him?Answer: -Mr. Singh can enroll in a stand-alone prescription drug plan and continue to be covered for Part A and Part B services through Original Fee-for-Service Medicare.
- Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is
being successfully treated for that condition. However, she and her physicians feel that after her lengthy hospital stay she will need a month or two of nursing and rehabilitative care. What should you tell them about Original Medicare's coverage of care in a skilled nursing facility?Answer: -Medicare will cover Mrs. Shield's skilled nursing services provided during the first 20 days of her stay, after which she would have a copay until she has been in the facility for 100 days.
- Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the
Social Security Administration and has been receiving disability pay- ments. He is wondering whether he can obtain coverage under Medicare. What should you tell him?
Answer: -After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
- Mrs. Quinn recently turned 66 and decided after many years of work to be- gin
receiving Social Security benefits. Shortly thereafter Mrs. Quinn received a letter informing her that she has been automatically enrolled in Medicare Part B. She wants to understand what this means. What should you tell Mrs. Quinn?Answer: -Part B primarily covers physician services. She will be paying a monthly premium and, with the exception of many preventive and screening tests, generally will have 20% coinsurance for these services, in addition to an annual deductible.
- 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? 2 / 3
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.
- 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.
- Mrs. Geisler's neighbor told her she should look at her Part D options during
the annual Medicare enrollment period because features of Part D might have changed. Mrs. Geisler can't remember what Part D is so she called you to ask what her neighbor was talking about. What could you tell her?
Answer: -Part D covers prescription drugs and she should look at her premiums,
formulary, and cost-sharing among other factors to see if they have changed.
- Mr. Xi will soon turn age 65 and has come to you for advice as to what services
are provided under Original Medicare. What should you tell Mr. Xi that best describes the health coverage provided to Medicare beneficiaries?-
Answer: -Beneficiaries under Original Medicare have no cost-sharing for most
preventive services which include immunizations such as annual flu shots.
- 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.
- Mr. Moy's wife has a Medicare Advantage plan, but he wants to under- stand
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
cost sharing in Original Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare does not cover.
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