AHIP Final & Module 1–5 Test
Bank | Updated Questions and
Answers Review with A+ Solutions
• 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? -✓✓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.
• 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? -✓✓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.
• 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? -
✓✓In general, he must select a single Part D premium payment
mechanism that will be used throughout the year.
• 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? -✓✓Yes. When an event has
been advertised as "educational," discussing plan-specific premiums is
impermissible.
• 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?
-✓✓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.
• 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? -✓✓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.
Bank | Updated Questions and
Answers Review with A+ Solutions
• 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? -✓✓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.
• 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? -✓✓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.
• 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? -
✓✓In general, he must select a single Part D premium payment
mechanism that will be used throughout the year.
• 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? -✓✓Yes. When an event has
been advertised as "educational," discussing plan-specific premiums is
impermissible.
• 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?
-✓✓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.
• 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? -✓✓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.
