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?
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.
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?
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.
