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AHIP Final Exam (Latest Update) Questions with Verified Answers |100% Correct |Already Graded A
Question 1: 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.
Question 2: 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.
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Question 3: 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.
Question 4: 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.
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Question 5: 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.
Question 6: 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.
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Question 7: 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.
Question 8: 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.