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AHIP 2024 FINAL EXAM TEST
QUESTIONS AND ANSWERS WITH
100% COMPLETE SOLUTIONS
1. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could
you tell Mrs. Park that might be of assistance? - CORRECT 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.
2. 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? - CORRECT 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.
3. 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 - CORRECT ANSWER-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? - CORRECT 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.
5. 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
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ensure no gap in coverage. What can you tell her? - CORRECT 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.
6. 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? - CORRECT ANSWER-Tell prospect Jerry
Smith that he should consider adding a standalone Part D prescription drug
coverage policy to his present 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? -
CORRECT 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.
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 her income will make it impossible for her to qualify for
Medicare. What could you tell her to address her concern? - CORRECT
ANSWER-Medicare is a program for people age 65 or older and those under
age 65 with certain disabilities, end-stage renal disease, and Lou Gehrig's
disease so she will be eligible for Medicare.
9. 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? - CORRECT
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.
AHIP 2024 FINAL EXAM TEST
QUESTIONS AND ANSWERS WITH
100% COMPLETE SOLUTIONS
1. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could
you tell Mrs. Park that might be of assistance? - CORRECT 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.
2. 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? - CORRECT 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.
3. 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 - CORRECT ANSWER-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? - CORRECT 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.
5. 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
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ensure no gap in coverage. What can you tell her? - CORRECT 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.
6. 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? - CORRECT ANSWER-Tell prospect Jerry
Smith that he should consider adding a standalone Part D prescription drug
coverage policy to his present 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? -
CORRECT 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.
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 her income will make it impossible for her to qualify for
Medicare. What could you tell her to address her concern? - CORRECT
ANSWER-Medicare is a program for people age 65 or older and those under
age 65 with certain disabilities, end-stage renal disease, and Lou Gehrig's
disease so she will be eligible for Medicare.
9. 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? - CORRECT
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.
