2024 AHIP FINAL EXAM WITH
COMPLETE QUESTIONS AND
ANSWERS [GRADED A+]
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.
Mr. Schmidt would like to plan for retirement and has asked
you what is covered under Original Fee-for-Service (FFS)
Medicare? What could you tell him? - ANSWER-Part A, which
covers hospital, skilled nursing facility, hospice and home
health services and Part B, which covers professional
services such as those provided by a doctor are covered
under Original Medicare.
,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 that
differs from the standard general enrollment period, during
which she may enroll in Medicare Part B.
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 Smith that he should consider adding a standalone Part
D prescription drug coverage policy to his present coverage.
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. What should you tell him? -
ANSWER-The penalty will be a permanent 10% increase in his
Part B premium for every 12-month period that passed during
which he could have enrolled and did not.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed
income. What could you tell Mrs. Park that might be of
assistance? - ANSWER-She should contact her state Medicaid
agency to see if she qualifies forprograms that can help with
Medicare costs for which she is responsible.
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 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
COMPLETE QUESTIONS AND
ANSWERS [GRADED A+]
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.
Mr. Schmidt would like to plan for retirement and has asked
you what is covered under Original Fee-for-Service (FFS)
Medicare? What could you tell him? - ANSWER-Part A, which
covers hospital, skilled nursing facility, hospice and home
health services and Part B, which covers professional
services such as those provided by a doctor are covered
under Original Medicare.
,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 that
differs from the standard general enrollment period, during
which she may enroll in Medicare Part B.
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 Smith that he should consider adding a standalone Part
D prescription drug coverage policy to his present coverage.
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. What should you tell him? -
ANSWER-The penalty will be a permanent 10% increase in his
Part B premium for every 12-month period that passed during
which he could have enrolled and did not.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed
income. What could you tell Mrs. Park that might be of
assistance? - ANSWER-She should contact her state Medicaid
agency to see if she qualifies forprograms that can help with
Medicare costs for which she is responsible.
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 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
