AHIP Medicare Training Module 1 Final
Review
Anita Magri will turn 65 in August 2020. Anita intends to enroll in Original Medicare
Part A and Part B. She would also like to enroll in a Medicare Supplement (Medigap)
plan. Anita's older neighbor Mel has told her about the Medigap Part F plan in which
he is enrolled. It not only provides foreign travel emergency benefits but also covers
his Medicare Part B deductible. Anita comes to you for advice. What should you tell
her?
A. You would be happy to help Anita enroll in a Medigap Part F plan that will provide
foreign travel benefits as well as cover her Part B deductible.
B. You are sorry to disappoint Anita but a Medigap Part F plan is no longer available
to those who turn 65 after January 1, 2020. Anita might instead consider other
Medigap plans that offer foreign travel benefits but do not cover the Part B
deductible.
C. You are sorry to disappoint Anita but Medigap plans are no longer available to this
- ANS-B. You are sorry to disappoint Anita but a Medigap Part F plan is no longer
available to those who turn age 65 after January 1, 2020. Anita might instead
consider other Medigap plans that offer foreign travel benefits but do not cover the
Part B deductible.
Explanation: Individuals who attain age 65 on or after January 1, 2020 cannot
purchase a Medigap plan that pays the Part B deductible. Generally, these are plans
C, F, or high deductible F. Anita can still purchase a Medigap plan that provides
foreign travel emergency benefits such as plan G.
\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?
A. You should tell Madeline that she will be able to enroll in both Medicare Part A and
Part B without paying monthly premiums due to her husband's long work record and
participation in the Medicare system.
B. You should tell Madeline that she will need to pay premiums for Part A because of
her short work history. You should also tell Madeline that she will pay part B
premiums at the highest rate because her income over the last several years has
exceeded $100,000.
C. You should tell Madeline that she will b - ANS-C. 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 to her substantial income.
Explanation: Madeline will be able to enroll in premium-free Part A due to her
husband's work record. She will pay a premium for Part B coverage based on her
income level (her income-related monthly adjustment amount [IRMMA]). An income
level of $100,000 would mean Mrs. Martinez would pay a premium more than the
standard (lowest) amount but not the highest level which looks at incomes above
$500,000 for those filing individual income tax returns.
\Mr. 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 Medicare Part D prescription drug plan. What should you tell him?
A. He generally would pay only a monthly premium. Medicare covers all other costs.
B. He generally would pay only a monthly premium and deductible. Medicare covers
all other costs.
C. He generally would pay a monthly premium, annual deductible, and
per-prescription cost-sharing.
D. He generally would pay only a per-prescription co-payment. Medicare covers all
other costs. - ANS-C. He generally would pay a monthly premium, annual deductible,
and per-prescription cost-sharing.
Explanation: Costs for Part D beneficiaries typically include a monthly premium,
annual deductible, and per-prescription cost-sharing.
\Mr. Buck has several family members who died from different cancers. He wants to
know if Medicare covers cancer screening. What should you tell him?
A. Medicare covers treatments for existing disease, injury, and malformed limbs or
body parts. As such, it does not cover any screening tests and these must be paid
for by the beneficiary out-of-pocket.
B. Medicare covers all screening tests that have been approved by the FDA on a
frequency determined by the treating physician.
C. Medicare covers the periodic performance of a range of screening tests that are
meant to provide early detection of disease. Mr. Buck will need to check specific
tests before obtaining them to see if they will be covered.
D. Medicare covers some screening tests that must be performed within the first year
after enrollment. Beyond that point expenses for screening tests are the
responsibility of the beneficiary. - ANS-C. Medicare covers the periodic performance
of a range of screening tests that are meant to provide early detection of disease. Mr.
Buck will need to check specific tests before obtaining them to see if they will be
covered.
Review
Anita Magri will turn 65 in August 2020. Anita intends to enroll in Original Medicare
Part A and Part B. She would also like to enroll in a Medicare Supplement (Medigap)
plan. Anita's older neighbor Mel has told her about the Medigap Part F plan in which
he is enrolled. It not only provides foreign travel emergency benefits but also covers
his Medicare Part B deductible. Anita comes to you for advice. What should you tell
her?
A. You would be happy to help Anita enroll in a Medigap Part F plan that will provide
foreign travel benefits as well as cover her Part B deductible.
B. You are sorry to disappoint Anita but a Medigap Part F plan is no longer available
to those who turn 65 after January 1, 2020. Anita might instead consider other
Medigap plans that offer foreign travel benefits but do not cover the Part B
deductible.
C. You are sorry to disappoint Anita but Medigap plans are no longer available to this
- ANS-B. You are sorry to disappoint Anita but a Medigap Part F plan is no longer
available to those who turn age 65 after January 1, 2020. Anita might instead
consider other Medigap plans that offer foreign travel benefits but do not cover the
Part B deductible.
Explanation: Individuals who attain age 65 on or after January 1, 2020 cannot
purchase a Medigap plan that pays the Part B deductible. Generally, these are plans
C, F, or high deductible F. Anita can still purchase a Medigap plan that provides
foreign travel emergency benefits such as plan G.
\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?
A. You should tell Madeline that she will be able to enroll in both Medicare Part A and
Part B without paying monthly premiums due to her husband's long work record and
participation in the Medicare system.
B. You should tell Madeline that she will need to pay premiums for Part A because of
her short work history. You should also tell Madeline that she will pay part B
premiums at the highest rate because her income over the last several years has
exceeded $100,000.
C. You should tell Madeline that she will b - ANS-C. 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 to her substantial income.
Explanation: Madeline will be able to enroll in premium-free Part A due to her
husband's work record. She will pay a premium for Part B coverage based on her
income level (her income-related monthly adjustment amount [IRMMA]). An income
level of $100,000 would mean Mrs. Martinez would pay a premium more than the
standard (lowest) amount but not the highest level which looks at incomes above
$500,000 for those filing individual income tax returns.
\Mr. 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 Medicare Part D prescription drug plan. What should you tell him?
A. He generally would pay only a monthly premium. Medicare covers all other costs.
B. He generally would pay only a monthly premium and deductible. Medicare covers
all other costs.
C. He generally would pay a monthly premium, annual deductible, and
per-prescription cost-sharing.
D. He generally would pay only a per-prescription co-payment. Medicare covers all
other costs. - ANS-C. He generally would pay a monthly premium, annual deductible,
and per-prescription cost-sharing.
Explanation: Costs for Part D beneficiaries typically include a monthly premium,
annual deductible, and per-prescription cost-sharing.
\Mr. Buck has several family members who died from different cancers. He wants to
know if Medicare covers cancer screening. What should you tell him?
A. Medicare covers treatments for existing disease, injury, and malformed limbs or
body parts. As such, it does not cover any screening tests and these must be paid
for by the beneficiary out-of-pocket.
B. Medicare covers all screening tests that have been approved by the FDA on a
frequency determined by the treating physician.
C. Medicare covers the periodic performance of a range of screening tests that are
meant to provide early detection of disease. Mr. Buck will need to check specific
tests before obtaining them to see if they will be covered.
D. Medicare covers some screening tests that must be performed within the first year
after enrollment. Beyond that point expenses for screening tests are the
responsibility of the beneficiary. - ANS-C. Medicare covers the periodic performance
of a range of screening tests that are meant to provide early detection of disease. Mr.
Buck will need to check specific tests before obtaining them to see if they will be
covered.
