AHIP Questions and Answers 2022/2023
with Complete Solution
Davis is 52 years old and has recently been diagnosed with end-stage renal disease (ESRD) and
will soon begin dialysis. He is wondering if he can obtain coverage under Medicare. What
should you tell him? ✔✔He may sign-up for Medicare at any time however coverage usually
begins on the fourth month after dialysis treatments start.
Juan Perez, who is turning age 65 next month, intends to work for several more years at
Smallcap, Incorporated. Smallcap has a workforce of15 employees and offers employer-
sponsored healthcare coverage. Juan is a naturalized citizen and has contributed to the Medicare
system for over 20 years. Juan asks you if he will be entitled to Medicare and if he enrolls how
that will impact his employer-sponsored healthcare coverage. How would you respond? ✔✔Juan
is likely to be eligible for Medicare once he turns age 65 and if he enrolls Medicare would
become the primary payor of his healthcare claims and Smallcap does not have to continue to
offer him coverage comparable to those under age 65 under its employer-sponsored group health
plan.
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? ✔✔Medicare Supplemental Insurance would help cover his Part
,A and Part B deductibles or coinsurance in Original Fee-for-Service (FFS) Medicare as well as
possibly some services that Medicare does not cover.
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? ✔✔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.
Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and paid
taxes during that entire period. She is concerned that she will not qualify for coverage under part
A because she was not born in the United States. What should you tell her? ✔✔Most individuals
who are citizens and age 65 or over are covered under Part A by virtue of having paid Medicare
taxes while working, though some may be covered as a result of paying monthly premiums.
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? ✔✔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.
,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? ✔✔Medicare does not cover massage therapy, or, in general,
glasses or dentures.
Patel is in good health and is preparing a budget in anticipation of his retirement when he turns
66. He wants to understand the health care costs he might be exposed to under Medicare if he
were to require hospitalization as a result of an illness. In general terms, what could you tell him
about his costs for inpatient hospital services
under Original Medicare? ✔✔Under Original Medicare, there is a single deductible amount due
for the first 60 days of any inpatient hospital stay, after which it converts into a per-day
coinsurance amount through day 90. After day 90, he would pay a daily amount up to 60 days
over his lifetime, after which he would be responsible for all costs.
Henderson believes that she will qualify for Medicare Coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes.
What should you tell her? ✔✔To obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
, 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 MedicarePart D
prescription drug plan. What should you tell him? ✔✔He generally would pay a monthly
premium, annual deductible, and per-prescription cost-sharing.
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 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.
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? ✔✔Beneficiaries under Original Medicare have no cost-sharing for
most preventive services which include immunizations such as annual flu shots.
Duarte is enrolled in Original Medicare Parts A and B. She has recently reviewed her Medicare
Summary Notice (MSN) and disagrees with a determination that partially denied one of her
claims for services. What advice would you give her? ✔✔Mrs. Duarte should file an appeal of
this initial determination within 120 days of the date she received the MSN in the mail.
with Complete Solution
Davis is 52 years old and has recently been diagnosed with end-stage renal disease (ESRD) and
will soon begin dialysis. He is wondering if he can obtain coverage under Medicare. What
should you tell him? ✔✔He may sign-up for Medicare at any time however coverage usually
begins on the fourth month after dialysis treatments start.
Juan Perez, who is turning age 65 next month, intends to work for several more years at
Smallcap, Incorporated. Smallcap has a workforce of15 employees and offers employer-
sponsored healthcare coverage. Juan is a naturalized citizen and has contributed to the Medicare
system for over 20 years. Juan asks you if he will be entitled to Medicare and if he enrolls how
that will impact his employer-sponsored healthcare coverage. How would you respond? ✔✔Juan
is likely to be eligible for Medicare once he turns age 65 and if he enrolls Medicare would
become the primary payor of his healthcare claims and Smallcap does not have to continue to
offer him coverage comparable to those under age 65 under its employer-sponsored group health
plan.
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? ✔✔Medicare Supplemental Insurance would help cover his Part
,A and Part B deductibles or coinsurance in Original Fee-for-Service (FFS) Medicare as well as
possibly some services that Medicare does not cover.
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? ✔✔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.
Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and paid
taxes during that entire period. She is concerned that she will not qualify for coverage under part
A because she was not born in the United States. What should you tell her? ✔✔Most individuals
who are citizens and age 65 or over are covered under Part A by virtue of having paid Medicare
taxes while working, though some may be covered as a result of paying monthly premiums.
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? ✔✔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.
,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? ✔✔Medicare does not cover massage therapy, or, in general,
glasses or dentures.
Patel is in good health and is preparing a budget in anticipation of his retirement when he turns
66. He wants to understand the health care costs he might be exposed to under Medicare if he
were to require hospitalization as a result of an illness. In general terms, what could you tell him
about his costs for inpatient hospital services
under Original Medicare? ✔✔Under Original Medicare, there is a single deductible amount due
for the first 60 days of any inpatient hospital stay, after which it converts into a per-day
coinsurance amount through day 90. After day 90, he would pay a daily amount up to 60 days
over his lifetime, after which he would be responsible for all costs.
Henderson believes that she will qualify for Medicare Coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes.
What should you tell her? ✔✔To obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
, 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 MedicarePart D
prescription drug plan. What should you tell him? ✔✔He generally would pay a monthly
premium, annual deductible, and per-prescription cost-sharing.
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 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.
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? ✔✔Beneficiaries under Original Medicare have no cost-sharing for
most preventive services which include immunizations such as annual flu shots.
Duarte is enrolled in Original Medicare Parts A and B. She has recently reviewed her Medicare
Summary Notice (MSN) and disagrees with a determination that partially denied one of her
claims for services. What advice would you give her? ✔✔Mrs. Duarte should file an appeal of
this initial determination within 120 days of the date she received the MSN in the mail.
