2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
Edward IP suffered from serious kidney disease. As a result. Edward
became eligible for Medicare coverage due to end-stage renal disease
(ESRD). A close relative donated their kidney and Edward successfully
underwent transplant surgery 12 months ago. Edward is now age 50
and asks you if his Medicare coverage will continue, what should you
say? - ANSWER--Individuals eligible for Medicare based on ESRD
generally lose eligibility 36 months after the month in which the
individual receives a kidney transplant unless they are eligible for
Medicare on another basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for coverage of
immunosuppressive drugs if he has no other health care coverage that
would cover the drugs.
Mildred Savage enrolled in Allcare Medicare Advantage plan several
years ago. Mildred recently learned that she is suffering from
inoperable cancer and has just a few months to live. She would like to
spend these final months in hospice care. Mildred's family asks you
whether hospice benefits will be paid for under the Allcare Medicare
Advantage plan. What should you say? - ANSWER--Mildred may remain
enrolled in Allcare and make a hospice election. Hospice benefits will be
paid for by Original Medicare under Part A and Allcare will continue to
pay for any non-hospice services.
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.
, 2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
What should you tell him? - ANSWER--Mr. Diaz will not pay any penalty
because he had continuous coverage under his employer's plan.
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? - ANSWER--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.
Mrs. 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? -
ANSWER--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.
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? - ANSWER--After receiving
such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
, 2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
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? - ANSWER--Beneficiaries under Original Medicare have
no cost-sharing for most preventive services which include
immunizations such as annual flu shots.
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? - ANSWER--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.
Mr. 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? -
ANSWER--He may sign-up for Medicare at any time however coverage
usually begins on the fourth month after dialysis treatments start.
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
, 2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
enroll in Original Medicare. She comes to you for advice. What should
you tell her? - ANSWER--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.
Ms. 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? - ANSWER--To obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals with higher
incomes.
To obtain Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes. - ANSWER--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.
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? - ANSWER--Tell prospect Jerry
CORRECT ANSWERS RATED A+
Edward IP suffered from serious kidney disease. As a result. Edward
became eligible for Medicare coverage due to end-stage renal disease
(ESRD). A close relative donated their kidney and Edward successfully
underwent transplant surgery 12 months ago. Edward is now age 50
and asks you if his Medicare coverage will continue, what should you
say? - ANSWER--Individuals eligible for Medicare based on ESRD
generally lose eligibility 36 months after the month in which the
individual receives a kidney transplant unless they are eligible for
Medicare on another basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for coverage of
immunosuppressive drugs if he has no other health care coverage that
would cover the drugs.
Mildred Savage enrolled in Allcare Medicare Advantage plan several
years ago. Mildred recently learned that she is suffering from
inoperable cancer and has just a few months to live. She would like to
spend these final months in hospice care. Mildred's family asks you
whether hospice benefits will be paid for under the Allcare Medicare
Advantage plan. What should you say? - ANSWER--Mildred may remain
enrolled in Allcare and make a hospice election. Hospice benefits will be
paid for by Original Medicare under Part A and Allcare will continue to
pay for any non-hospice services.
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.
, 2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
What should you tell him? - ANSWER--Mr. Diaz will not pay any penalty
because he had continuous coverage under his employer's plan.
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? - ANSWER--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.
Mrs. 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? -
ANSWER--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.
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? - ANSWER--After receiving
such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
, 2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
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? - ANSWER--Beneficiaries under Original Medicare have
no cost-sharing for most preventive services which include
immunizations such as annual flu shots.
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? - ANSWER--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.
Mr. 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? -
ANSWER--He may sign-up for Medicare at any time however coverage
usually begins on the fourth month after dialysis treatments start.
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
, 2024 AHIP EXAM QUESTIONS 150 QUESTIONS WITH
CORRECT ANSWERS RATED A+
enroll in Original Medicare. She comes to you for advice. What should
you tell her? - ANSWER--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.
Ms. 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? - ANSWER--To obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals with higher
incomes.
To obtain Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes. - ANSWER--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.
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? - ANSWER--Tell prospect Jerry
