AHIP 2024 FINAL EXAM [LATEST VERSION
WITH ACCURATE ANSWERS]2024-2025
1.Mrs. mark is an elderly retiree. Mrs. Park has a low fixed income. What could you tell
Mrs. Park that might be of assistance?: She should contact her state Medicaid
agency to see if she qualifies forprograms that can help with Medicare
costs for which she is responsible.
2.Madeline Martinez was widowed several years ago. Her husband worked for many
years and contributed into the Medicare system. He also left a substan- tial 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?: 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.
3.Mr. Bauer is 49 years old, but eighteen months ago he was declared dis- abled 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:
After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
4. 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?:
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.
5.Mrs. PeHa 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 mont
, enrollment period that differs from the standard general enrollment
period, during which she may enroll in Medicare Part B.
6. Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is cu
rently enrolled in Medicare Parts A and B. Jerry has also purchased a Medica
Supplement (Medigap) plan which he has had for several years. However, the pla
does not provide drug benefits. How would you advise Agent John Miller
proceed?: Tell prospect Jerry Smith that he should consider adding
standalone Part D prescription drug coverage policy to his presen
coverage.
7.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?: 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.
8.Ms. 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
WITH ACCURATE ANSWERS]2024-2025
1.Mrs. mark is an elderly retiree. Mrs. Park has a low fixed income. What could you tell
Mrs. Park that might be of assistance?: She should contact her state Medicaid
agency to see if she qualifies forprograms that can help with Medicare
costs for which she is responsible.
2.Madeline Martinez was widowed several years ago. Her husband worked for many
years and contributed into the Medicare system. He also left a substan- tial 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?: 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.
3.Mr. Bauer is 49 years old, but eighteen months ago he was declared dis- abled 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:
After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
4. 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?:
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.
5.Mrs. PeHa 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 mont
, enrollment period that differs from the standard general enrollment
period, during which she may enroll in Medicare Part B.
6. Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is cu
rently enrolled in Medicare Parts A and B. Jerry has also purchased a Medica
Supplement (Medigap) plan which he has had for several years. However, the pla
does not provide drug benefits. How would you advise Agent John Miller
proceed?: Tell prospect Jerry Smith that he should consider adding
standalone Part D prescription drug coverage policy to his presen
coverage.
7.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?: 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.
8.Ms. 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
