AHIP Final & Module 1–5
Test Bank | Comprehensive
Questions and Answers
Guide A+ Exam Prep
‣ Original Medicare covers ambulance services. Answer: 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?
‣ Mr. Diaz will not pay any penalty because he had continuous coverage
under his employer's plan. Answer: 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?
‣ 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. Answer: 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 but also covers his Medicare
Part B deductible. Anita comes to you for advice. What should you tell
her?
‣ 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. Answer: 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?
‣ After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age. Answer: 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?
‣ 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.
Answer: 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?
‣ 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. Answer: 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?
‣ 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. Answer: 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?
‣ Beneficiaries under Original Medicare have no cost-sharing for most
preventive services which include immunizations such as annual flu
shots. Answer: 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?
‣ 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. Answer: 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?
, ‣ The Part B deductible will no longer be covered for individuals newly
eligible for Medicare starting January 1, 2020. Answer: What impact, if
any, will recent regulatory changes have upon Medigap plans?
‣ Mr. Wu may still qualify for help in paying Part D costs through his
State Pharmaceutical Assistance Program. Answer: 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?
‣ 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. Answer: 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?
‣ Tell prospect Jerry Smith that he should consider adding a standalone
Part D prescription drug coverage policy to his present coverage.
Answer: 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?
Test Bank | Comprehensive
Questions and Answers
Guide A+ Exam Prep
‣ Original Medicare covers ambulance services. Answer: 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?
‣ Mr. Diaz will not pay any penalty because he had continuous coverage
under his employer's plan. Answer: 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?
‣ 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. Answer: 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 but also covers his Medicare
Part B deductible. Anita comes to you for advice. What should you tell
her?
‣ 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. Answer: 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?
‣ After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age. Answer: 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?
‣ 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.
Answer: 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?
‣ 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. Answer: 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?
‣ 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. Answer: 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?
‣ Beneficiaries under Original Medicare have no cost-sharing for most
preventive services which include immunizations such as annual flu
shots. Answer: 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?
‣ 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. Answer: 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?
, ‣ The Part B deductible will no longer be covered for individuals newly
eligible for Medicare starting January 1, 2020. Answer: What impact, if
any, will recent regulatory changes have upon Medigap plans?
‣ Mr. Wu may still qualify for help in paying Part D costs through his
State Pharmaceutical Assistance Program. Answer: 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?
‣ 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. Answer: 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?
‣ Tell prospect Jerry Smith that he should consider adding a standalone
Part D prescription drug coverage policy to his present coverage.
Answer: 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?
