ne
sh
2023/2024 AHIP Module 1, 2, 3, 4, 5 (ACTUAL TEST ) Questions and
ne
Answers GRADED A ALL COREECT
la
tz
sh
Sp
Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what coverage
ne
Medicare Supplemental Insurance provides since his health care needs are different from
la
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
sh
Sp
(FFS) Medicare as well as possibly someservices that Medicare does not cover.
ne
la
Mrs. Peňa is 66 years old, has coverage under an employer plan, and will retire next year.
tz
She heard she must enroll in Part B at the beginning of the year to ensureno gap in
sh
Sp
coverage. What can you tell her? ✓She may enroll at any time while she is covered under
ne
her employer plan, but she will have a special eight-month enrollment period after the last
la
month on her employer plan that differs from the standard general enrollment period, during
which she may enroll in Medicare Part B.
sh
Sp
ne
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employedfull
la
time, and paid taxes during that entire period. She is concerned that she will not qualify for
tz
coverage under part A because she was not born in the United States. What should you
sh
tell her? ✓Most individuals who are citizens and age 65
Sp
ne
la
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal disease
sh
(ESRD) and will soon begin dialysis. He is wondering if he can obtain coverage under
Sp
Medicare. What should you tell him? ✓He may sign-up for Medicare at any time however
ne
coverage usually begins on the fourth month afterdialysis treatments start.
la
tz
sh
Juan Perez, who is turning age 65 next month, intends to work for several more years at
Sp
Smallcap, Incorporated. Smallcap has a workforce of15 employees and offers employer-
ne
sponsored healthcare coverage. Juan is a naturalized citizen and has contributed to the
la
Medicare system for over 20 years. Juan asks you if he willbe entitled to Medicare and if
sh
he enrolls how that will impact his employer- sponsored healthcare coverage. How would
Sp
you respond? ✓Juan is likely to be eligible for Medicare once he turns age 65 and if he
ne
enrolls Medicare would become the primary payor of his healthcare claims and Smallcap
a
does not have tocontinue to offer him coverage comparable to those under age 65 under
tz
l
its employer-sponsored group health plan.
sh
Sp
ne
la
sh
Sp
la
Sp
, ne
sh
or over are covered under Part A by virtue of having paid Medicare taxes while working,
ne
though some may be covered as a result of paying monthly premiums.
la
tz
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well,but it
sh
Sp
provides no drug coverage. She would like to keep the coverage she has butreplace her
ne
existing Medigap plan with one that provides drug coverage. What should you tell her? ✓
la
✓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.
sh
Sp
ne
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from
la
arthritis through massage therapy. She is concerned about whether or not Medicare
tz
will cover these items and services. What should you tell her?
sh
Sp
✓✓Medicare does not cover massage therapy, or, in general, glasses or dentures.
ne
la
Mr. 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 mightbe exposed to under
sh
Sp
Medicare if he were to require hospitalization as a result of anillness. In general terms, what
ne
could you tell him about his costs for inpatient hospital services
under Original Medicare? ✓✓Under Original Medicare, there is a single deductible
la
tz
amount due for the first 60 days of any inpatient hospital stay, after which it converts into a
sh
Sp
per-day coinsurance amount through day 90. After day 90,he would pay a daily amount up
ne
to 60 days over his lifetime, after which he wouldbe responsible for all costs.
la
Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65,
sh
without paying any premiums, because she has been working for 40 yearsand paying
Sp
ne
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.
la
tz
sh
Mr. Alonso receives some help paying for his two generic prescription drugs fromhis
Sp
employer's retiree coverage, but he wants to compare it to a Part D prescriptiondrug plan.
ne
He asks you what costs he would generally expect to encounter when enrolling into a
la
standard MedicarePart D prescription drug plan. What should you tell him? ✓✓He
sh
generally would pay a monthly premium, annual deductible, and per-prescription cost-
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sharing.
ne
a
tz
l
sh
Sp
ne
la
sh
Sp
la
Sp
, ne
sh
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellenthealth
ne
and will have considerable income when she retires. She is concerned thather income
la
will make it impossible for her to qualify for Medicare. What could you tell her to address
tz
her concern? ✓✓Medicare is a program for people age 65or older and those under age
sh
Sp
65 with certain disabilities, end-stage renal disease,and Lou Gehrig's disease so she will
be eligible for Medicare.
ne
la
Mr. Xi will soon turn age 65 and has come to you for advice as to what services areprovided
sh
Sp
under Original Medicare. What should you tell Mr. Xi that best describesthe health coverage
ne
provided to Medicare beneficiaries? ✓✓Beneficiaries under Original Medicare have no
la
cost-sharing for most preventive services which includeimmunizations such as annual flu
tz
shots.
sh
Sp
ne
Mrs. 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
la
one of her claims for services. What advicewould you give her? ✓✓Mrs. Duarte should
sh
file an appeal of this initial determination within 120 days of the date she received the MSN
Sp
ne
in the mail.
la
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and aMedigap plan
tz
sh
to pick up costs not covered by that plan.
Sp
What should you tell him? ✓✓It is illegal for you to sell Mr. Capadona a Medigapplan if
ne
he is enrolled in an MA plan, and besides, Medigap only works with Original Medicare.
la
sh
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could youtell Mrs.
Sp
Park that might be of assistance? ✓✓She should contact her state Medicaid agency to
ne
see if she qualifies for one of several programs that can help with Medicare costs for which
la
she is responsible.
tz
sh
Sp
Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be
ne
hospitalized. What should you tell Mr. Rainey (or his representative) about the length of an
la
inpatient psychiatric hospital stay that Medicare will cover?
✓✓Medicare will cover a total of 190 days of inpatient psychiatric care during Mr.Rainey's
sh
Sp
entire lifetime.
ne
a
Mr. Schmidt would like to plan for retirement and has asked you what is covered under
tz
Original Fee-for-Service (FFS) Medicare? What could you tell him? ✓✓PartA, which
l
sh
Sp
covers hospital, skilled nursing facility, hospice, and home health
ne
la
sh
Sp
la
Sp
, ne
sh
services and Part B, which covers professional services such as those provided by adoctor
ne
are covered under Original Medicare.
la
tz
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in
sh
Sp
Medicare Parts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan
ne
which he has had for several years. However, the plandoes not provide drug benefits. How
la
would you advise Agent John Miller to proceed? ✓✓Tell prospect Jerry Smith that he
should consider adding a standalonePart D prescription drug coverage policy to his present
sh
Sp
coverage.
ne
la
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by theSocial
tz
Security Administration and has been receiving disability payments. He is wondering
sh
Sp
whether he can obtain coverage under Medicare. What should you tell him? ✓✓After
ne
receiving such disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age.
la
sh
Mr. Buck has several family members who died from different cancers. He wantsto know if
Sp
ne
Medicare covers cancer screening.
What should you tell him? ✓✓Medicare covers the periodic performance of a range of
la
screening tests that are meant to provide early detection of disease. Mr. Buck will need to
tz
sh
check specific tests before obtaining them to see if they will becovered.
Sp
ne
Which of the following statement is/are correct about a Medicare Savings Account(MSA)
la
Plans?
sh
Sp
I. MSAs may have either a partial network, full network, or no network of
ne
providers.
la
II. MSA plans cover Part A and Part B benefits but not Part D prescription drugbenefits.
tz
sh
III. An individual who is enrolled in an MSA plan is responsible for a minimaldeductible
Sp
of $500 indexed for inflation.
ne
IV. Non-network providers must accept the same amount that Original Medicarewould
la
pay them as payment in full. ✓✓I, II, and IV only
sh
Sp
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that yourepresent. It is
ne
one of three plans operated by the same organization in Mr.
a
Lombardi's area. The MA PPO plan does not include drug coverage, but the other two plans
tz
do. Mr. Lombardi likes the PPO plan that does not include drug coverageand intends to
l
sh
Sp
obtain his drug coverage through a stand-alone Medicare
ne
la
sh
Sp
la
Sp
sh
2023/2024 AHIP Module 1, 2, 3, 4, 5 (ACTUAL TEST ) Questions and
ne
Answers GRADED A ALL COREECT
la
tz
sh
Sp
Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what coverage
ne
Medicare Supplemental Insurance provides since his health care needs are different from
la
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
sh
Sp
(FFS) Medicare as well as possibly someservices that Medicare does not cover.
ne
la
Mrs. Peňa is 66 years old, has coverage under an employer plan, and will retire next year.
tz
She heard she must enroll in Part B at the beginning of the year to ensureno gap in
sh
Sp
coverage. What can you tell her? ✓She may enroll at any time while she is covered under
ne
her employer plan, but she will have a special eight-month enrollment period after the last
la
month on her employer plan that differs from the standard general enrollment period, during
which she may enroll in Medicare Part B.
sh
Sp
ne
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employedfull
la
time, and paid taxes during that entire period. She is concerned that she will not qualify for
tz
coverage under part A because she was not born in the United States. What should you
sh
tell her? ✓Most individuals who are citizens and age 65
Sp
ne
la
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal disease
sh
(ESRD) and will soon begin dialysis. He is wondering if he can obtain coverage under
Sp
Medicare. What should you tell him? ✓He may sign-up for Medicare at any time however
ne
coverage usually begins on the fourth month afterdialysis treatments start.
la
tz
sh
Juan Perez, who is turning age 65 next month, intends to work for several more years at
Sp
Smallcap, Incorporated. Smallcap has a workforce of15 employees and offers employer-
ne
sponsored healthcare coverage. Juan is a naturalized citizen and has contributed to the
la
Medicare system for over 20 years. Juan asks you if he willbe entitled to Medicare and if
sh
he enrolls how that will impact his employer- sponsored healthcare coverage. How would
Sp
you respond? ✓Juan is likely to be eligible for Medicare once he turns age 65 and if he
ne
enrolls Medicare would become the primary payor of his healthcare claims and Smallcap
a
does not have tocontinue to offer him coverage comparable to those under age 65 under
tz
l
its employer-sponsored group health plan.
sh
Sp
ne
la
sh
Sp
la
Sp
, ne
sh
or over are covered under Part A by virtue of having paid Medicare taxes while working,
ne
though some may be covered as a result of paying monthly premiums.
la
tz
Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well,but it
sh
Sp
provides no drug coverage. She would like to keep the coverage she has butreplace her
ne
existing Medigap plan with one that provides drug coverage. What should you tell her? ✓
la
✓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.
sh
Sp
ne
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from
la
arthritis through massage therapy. She is concerned about whether or not Medicare
tz
will cover these items and services. What should you tell her?
sh
Sp
✓✓Medicare does not cover massage therapy, or, in general, glasses or dentures.
ne
la
Mr. 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 mightbe exposed to under
sh
Sp
Medicare if he were to require hospitalization as a result of anillness. In general terms, what
ne
could you tell him about his costs for inpatient hospital services
under Original Medicare? ✓✓Under Original Medicare, there is a single deductible
la
tz
amount due for the first 60 days of any inpatient hospital stay, after which it converts into a
sh
Sp
per-day coinsurance amount through day 90. After day 90,he would pay a daily amount up
ne
to 60 days over his lifetime, after which he wouldbe responsible for all costs.
la
Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65,
sh
without paying any premiums, because she has been working for 40 yearsand paying
Sp
ne
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.
la
tz
sh
Mr. Alonso receives some help paying for his two generic prescription drugs fromhis
Sp
employer's retiree coverage, but he wants to compare it to a Part D prescriptiondrug plan.
ne
He asks you what costs he would generally expect to encounter when enrolling into a
la
standard MedicarePart D prescription drug plan. What should you tell him? ✓✓He
sh
generally would pay a monthly premium, annual deductible, and per-prescription cost-
Sp
sharing.
ne
a
tz
l
sh
Sp
ne
la
sh
Sp
la
Sp
, ne
sh
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellenthealth
ne
and will have considerable income when she retires. She is concerned thather income
la
will make it impossible for her to qualify for Medicare. What could you tell her to address
tz
her concern? ✓✓Medicare is a program for people age 65or older and those under age
sh
Sp
65 with certain disabilities, end-stage renal disease,and Lou Gehrig's disease so she will
be eligible for Medicare.
ne
la
Mr. Xi will soon turn age 65 and has come to you for advice as to what services areprovided
sh
Sp
under Original Medicare. What should you tell Mr. Xi that best describesthe health coverage
ne
provided to Medicare beneficiaries? ✓✓Beneficiaries under Original Medicare have no
la
cost-sharing for most preventive services which includeimmunizations such as annual flu
tz
shots.
sh
Sp
ne
Mrs. 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
la
one of her claims for services. What advicewould you give her? ✓✓Mrs. Duarte should
sh
file an appeal of this initial determination within 120 days of the date she received the MSN
Sp
ne
in the mail.
la
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and aMedigap plan
tz
sh
to pick up costs not covered by that plan.
Sp
What should you tell him? ✓✓It is illegal for you to sell Mr. Capadona a Medigapplan if
ne
he is enrolled in an MA plan, and besides, Medigap only works with Original Medicare.
la
sh
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could youtell Mrs.
Sp
Park that might be of assistance? ✓✓She should contact her state Medicaid agency to
ne
see if she qualifies for one of several programs that can help with Medicare costs for which
la
she is responsible.
tz
sh
Sp
Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be
ne
hospitalized. What should you tell Mr. Rainey (or his representative) about the length of an
la
inpatient psychiatric hospital stay that Medicare will cover?
✓✓Medicare will cover a total of 190 days of inpatient psychiatric care during Mr.Rainey's
sh
Sp
entire lifetime.
ne
a
Mr. Schmidt would like to plan for retirement and has asked you what is covered under
tz
Original Fee-for-Service (FFS) Medicare? What could you tell him? ✓✓PartA, which
l
sh
Sp
covers hospital, skilled nursing facility, hospice, and home health
ne
la
sh
Sp
la
Sp
, ne
sh
services and Part B, which covers professional services such as those provided by adoctor
ne
are covered under Original Medicare.
la
tz
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in
sh
Sp
Medicare Parts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan
ne
which he has had for several years. However, the plandoes not provide drug benefits. How
la
would you advise Agent John Miller to proceed? ✓✓Tell prospect Jerry Smith that he
should consider adding a standalonePart D prescription drug coverage policy to his present
sh
Sp
coverage.
ne
la
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by theSocial
tz
Security Administration and has been receiving disability payments. He is wondering
sh
Sp
whether he can obtain coverage under Medicare. What should you tell him? ✓✓After
ne
receiving such disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age.
la
sh
Mr. Buck has several family members who died from different cancers. He wantsto know if
Sp
ne
Medicare covers cancer screening.
What should you tell him? ✓✓Medicare covers the periodic performance of a range of
la
screening tests that are meant to provide early detection of disease. Mr. Buck will need to
tz
sh
check specific tests before obtaining them to see if they will becovered.
Sp
ne
Which of the following statement is/are correct about a Medicare Savings Account(MSA)
la
Plans?
sh
Sp
I. MSAs may have either a partial network, full network, or no network of
ne
providers.
la
II. MSA plans cover Part A and Part B benefits but not Part D prescription drugbenefits.
tz
sh
III. An individual who is enrolled in an MSA plan is responsible for a minimaldeductible
Sp
of $500 indexed for inflation.
ne
IV. Non-network providers must accept the same amount that Original Medicarewould
la
pay them as payment in full. ✓✓I, II, and IV only
sh
Sp
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that yourepresent. It is
ne
one of three plans operated by the same organization in Mr.
a
Lombardi's area. The MA PPO plan does not include drug coverage, but the other two plans
tz
do. Mr. Lombardi likes the PPO plan that does not include drug coverageand intends to
l
sh
Sp
obtain his drug coverage through a stand-alone Medicare
ne
la
sh
Sp
la
Sp
