HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
from arthritis through massage therapy. She is concerned about whether or not
Medicare will cover these items and services. What should you tell her?
a. Medicare covers glasses, but not dentures or massage therapy.
b. Medicare does not cover massage therapy, or, in general, glasses or dentures.
Correct: Neither Medicare Part A nor Part B covers massage therapy, dentures, or
routine eye examinations to prescribe eyeglasses.
c. Medicare covers 80% of the cost of these three services.
d. Medicare covers 50% of the cost of these three services.
Feedback Source: Module 1, Slide - Not Covered by Medicare Part A & B
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a
Medigap plan to pick up costs not covered by that plan. What should you tell him?
a. Medigap plans that cover costs not paid for by an MA plan are available only in
Massachusetts, Minnesota, and Wisconsin.
b. Medigap policies designed to cover costs not paid for by an MA plan can be purchased, but only if
the MA plan’s design is considered to be the “defined standard benefit.”
c. Medigap plans are a form of Medicare Advantage, so purchasing both would be redundant
coverage.
d. It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA plan, and
besides, Medigap only works with Original Medicare.
Correct: The purpose of Medigap plans is to supplement Original Medicare
benefits. Medigap plans do not work with Medicare Advantage plans. It is illegal
to sell a Medigap plan to someone already in a Medicare Advantage health plan.
Feedback Source: Module 1, Slide - Medigap is NOT
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?
,HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
a. He became eligible for Medicare when his disability eligibility determination
was first made. b. After receiving such disability payments for 24 months, he will
be automatically enrolled in Medicare, regardless of age.
Correct: Individuals with disabilities who are under age 65 are
automatically enrolled in Medicare Parts A and B the month after they have
received Social Security or Railroad Retirement disability benefits for 24
months.
c. Individuals receiving such disability payments from the Social Security
Administration continue to receive those payments but only become eligible for
Medicare upon reaching age 65.
d. Individuals who become eligible for such disability payments only have to
wait 12 months before they can apply for coverage under Medicare.
Feedback Source: Module 1, Slide - Medicare Enrollment Part A & B
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?
a. She must wait at least 30 days after her employment terminates before she may enroll in
Medicare Part B.
,HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
b. She may enroll at any time while she is covered under her employer plan, but she will have a special
eight-month enrollment period after the last month on her employer plan that differs from the
standard general enrollment period, during which she may enroll in Medicare Part B. Correct: As long
as Mrs. Peňa is covered under her employer’s plan, she can enroll in Part B at any time. If she retires,
she will be able to enroll in Part B during a special enrollment period that lasts 8 months following the
last month of her employer coverage.
c. She may not enroll in Part B while covered under an employer group health plan and must wait
until the standard general enrollment period after she retires.
d. She may only enroll in Part B during the general enrollment period whether she is retired or not
Feedback Source: Module 1, Slide - Enrollment in Parts A & B After the Initial
Enrollment Period
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well,
but it provides no drug coverage. She would like to keep the coverage she has
but replace her existing Medigap plan with one that provides drug coverage.
What should you tell her?
a. Mrs. Gonzalez should purchase a K or L Medigap plan.
b. Mrs. Gonzalez can purchase a Medigap plan that covers drugs, but it likely won’t offer
coverage that is equivalent to that provided under Part D.
c. Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her
Medigap policy and enroll in a Part D prescription drug plan.
Correct: Individuals who are enrolled in Medigap plans may only obtain
Medicare drug coverage (Part D) through a stand-alone prescription drug
plan.
d. Medigap is a replacement for Original Medicare and she has been paying for double
coverage. She should simply drop her Medigap policy.
Feedback Source: Module 1, Slide - Beneficiaries with Medigap Plans with Drug
Coverage
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you
tell Mrs. Park that might be of assistance?
a. She should not sign up for a Medicare Advantage plan.
b. She should only seek help from private organizations to cover her Medicare costs.
, HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
c. She can apply to the Medicare agency for lower premiums and cost-sharing.
d. She should contact her state Medicaid agency to see if she qualifies for one of several
programs that can help with Medicare costs for which she is responsible.
Correct: Mrs. Park can apply for programs through her State Medicaid office that
could assist with her Medicare costs, such as Medicare Savings Programs, Part D
low-income subsidies, and Medicaid.
Feedback Source: Module 1, Slide - Help for Individuals with Limited
Income/Resources
Mr. Alonso receives some help paying for his two generic prescription drugs from
his employer’s retiree coverage, but he wants to compare it to a Part D
prescription drug plan. He asks you what costs he would generally expect to
encounter when enrolling into a standard Medicare Part D prescription drug plan.
What should you tell him?
a. He generally would pay only a per-prescription co-payment. Medicare covers all other costs.
b. He generally would pay only a monthly premium. Medicare covers all other costs.
c. He generally would pay only a monthly premium and deductible. Medicare covers all other costs.
d. He generally would pay a monthly premium, annual deductible, and per-prescription cost-
sharing.
verified) LATEST 2022.
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
from arthritis through massage therapy. She is concerned about whether or not
Medicare will cover these items and services. What should you tell her?
a. Medicare covers glasses, but not dentures or massage therapy.
b. Medicare does not cover massage therapy, or, in general, glasses or dentures.
Correct: Neither Medicare Part A nor Part B covers massage therapy, dentures, or
routine eye examinations to prescribe eyeglasses.
c. Medicare covers 80% of the cost of these three services.
d. Medicare covers 50% of the cost of these three services.
Feedback Source: Module 1, Slide - Not Covered by Medicare Part A & B
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a
Medigap plan to pick up costs not covered by that plan. What should you tell him?
a. Medigap plans that cover costs not paid for by an MA plan are available only in
Massachusetts, Minnesota, and Wisconsin.
b. Medigap policies designed to cover costs not paid for by an MA plan can be purchased, but only if
the MA plan’s design is considered to be the “defined standard benefit.”
c. Medigap plans are a form of Medicare Advantage, so purchasing both would be redundant
coverage.
d. It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA plan, and
besides, Medigap only works with Original Medicare.
Correct: The purpose of Medigap plans is to supplement Original Medicare
benefits. Medigap plans do not work with Medicare Advantage plans. It is illegal
to sell a Medigap plan to someone already in a Medicare Advantage health plan.
Feedback Source: Module 1, Slide - Medigap is NOT
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?
,HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
a. He became eligible for Medicare when his disability eligibility determination
was first made. b. After receiving such disability payments for 24 months, he will
be automatically enrolled in Medicare, regardless of age.
Correct: Individuals with disabilities who are under age 65 are
automatically enrolled in Medicare Parts A and B the month after they have
received Social Security or Railroad Retirement disability benefits for 24
months.
c. Individuals receiving such disability payments from the Social Security
Administration continue to receive those payments but only become eligible for
Medicare upon reaching age 65.
d. Individuals who become eligible for such disability payments only have to
wait 12 months before they can apply for coverage under Medicare.
Feedback Source: Module 1, Slide - Medicare Enrollment Part A & B
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?
a. She must wait at least 30 days after her employment terminates before she may enroll in
Medicare Part B.
,HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
b. She may enroll at any time while she is covered under her employer plan, but she will have a special
eight-month enrollment period after the last month on her employer plan that differs from the
standard general enrollment period, during which she may enroll in Medicare Part B. Correct: As long
as Mrs. Peňa is covered under her employer’s plan, she can enroll in Part B at any time. If she retires,
she will be able to enroll in Part B during a special enrollment period that lasts 8 months following the
last month of her employer coverage.
c. She may not enroll in Part B while covered under an employer group health plan and must wait
until the standard general enrollment period after she retires.
d. She may only enroll in Part B during the general enrollment period whether she is retired or not
Feedback Source: Module 1, Slide - Enrollment in Parts A & B After the Initial
Enrollment Period
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well,
but it provides no drug coverage. She would like to keep the coverage she has
but replace her existing Medigap plan with one that provides drug coverage.
What should you tell her?
a. Mrs. Gonzalez should purchase a K or L Medigap plan.
b. Mrs. Gonzalez can purchase a Medigap plan that covers drugs, but it likely won’t offer
coverage that is equivalent to that provided under Part D.
c. Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her
Medigap policy and enroll in a Part D prescription drug plan.
Correct: Individuals who are enrolled in Medigap plans may only obtain
Medicare drug coverage (Part D) through a stand-alone prescription drug
plan.
d. Medigap is a replacement for Original Medicare and she has been paying for double
coverage. She should simply drop her Medigap policy.
Feedback Source: Module 1, Slide - Beneficiaries with Medigap Plans with Drug
Coverage
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you
tell Mrs. Park that might be of assistance?
a. She should not sign up for a Medicare Advantage plan.
b. She should only seek help from private organizations to cover her Medicare costs.
, HSA 3160 / AHIP questions with all the correct answers(Actual test 100%
verified) LATEST 2022.
c. She can apply to the Medicare agency for lower premiums and cost-sharing.
d. She should contact her state Medicaid agency to see if she qualifies for one of several
programs that can help with Medicare costs for which she is responsible.
Correct: Mrs. Park can apply for programs through her State Medicaid office that
could assist with her Medicare costs, such as Medicare Savings Programs, Part D
low-income subsidies, and Medicaid.
Feedback Source: Module 1, Slide - Help for Individuals with Limited
Income/Resources
Mr. Alonso receives some help paying for his two generic prescription drugs from
his employer’s retiree coverage, but he wants to compare it to a Part D
prescription drug plan. He asks you what costs he would generally expect to
encounter when enrolling into a standard Medicare Part D prescription drug plan.
What should you tell him?
a. He generally would pay only a per-prescription co-payment. Medicare covers all other costs.
b. He generally would pay only a monthly premium. Medicare covers all other costs.
c. He generally would pay only a monthly premium and deductible. Medicare covers all other costs.
d. He generally would pay a monthly premium, annual deductible, and per-prescription cost-
sharing.
