1 for specific request mail
AHIP Training Questions and Correct Answers |
Latest Update
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? Ans: 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.
Anthony Boniface turned 65 in 2024. He was not receiving Social Security
or Railroad Retirement Benefits on his 65th birthday. He was interested
Assignment Expert
in obtaining Medicare coverage and is eligible for premium-free Part A.
Before he could enroll in Medicare, his entire area was impacted by a
Guru01 - Stuvia
hurricane causing massive flooding and severe wind damage. The Federal
government declared this to be a natural disaster which has recently
ended. During this period Anthony's initial enrollment period expired.
Anthony asks you how he can now obtain Medicare coverage. What
2026
should you say? Ans: Anthony is eligible for a special enrollment period
(SEP) because he missed an enrollment period due to the impact of the
©
Federally declared disaster. This SEP will allow Anthony to enroll in Part B
up to six months after the end of the emergency declaration. Anthony
may enroll in premium-free Part A at any time and his Part A coverage
will be retroactive for up to 6 months.
Mrs. Ellis recently turned 66 and decided after many years of work to
retire and begin receiving Social Security benefits. Shortly thereafter Mrs.
Ellis received a letter informing her that she had been automatically
enrolled in Medicare Part B. She wants to understand what this means.
What should you tell Mrs. Ellis? Ans: Part B primarily covers physician
services. She will be paying a monthly premium and, except for many
preventive and screening tests, generally will have 20% co-payments for
these services, in addition to an annual deductible.
, 2 for specific request mail
Mr. Vasquez 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 might be exposed to under Medicare if he were to require
hospitalization because of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare? Ans: Under Original Medicare, there is a single deductible
amount due for the first 60 days of any inpatient hospital stay, after
which it converts into a per-day coinsurance amount through day 90.
After day 90, he would pay a daily amount up to 60 days over his
lifetime, after which he would be responsible for all costs.
Assignment Expert
Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income. What
could you tell Mrs. Cook that might be of assistance? Ans: She should
Guru01 - Stuvia
contact her state Medicaid agency to see if she qualifies for one of
several programs that can help with Medicare costs for which she is
responsible.
2026
Mrs. Thomas 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? Ans: She
©
may enroll at any time while she is covered under her employer plan, but
she will have a special eight-month enrollment period after the last
month on her employer plan that differs from the standard general
enrollment period, during which she may enroll in Medicare Part B.
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? Ans:
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
, 3 for specific request mail
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.
Ms. Kumar 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? Ans:
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.
Assignment Expert
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.
Guru01 - Stuvia
However, the plan does not provide drug benefits. How would you advise
Agent John Miller to proceed? Ans: Tell prospect Jerry Smith that he
should consider adding a standalone Part D prescription drug coverage
2026
policy to his present coverage.
Mr. Moy will soon turn age 65. He is slightly younger than his wife. Mr.
©
Moy's wife has a Medicare Advantage plan, but he wants to understand
what coverage Medicare Supplemental Insurance provides since his
health care needs are different from his wife's needs. What could you tell
Mr. Moy? Ans: Medicare Supplemental Insurance would cover all of his
IRS approved health care expenditures not covered under Original Fee-
for-Service (FFS) Medicare.
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? Ans: Mildred may remain enrolled in Allcare and make a
hospice election. Hospice benefits will be paid for by Original Medicare
AHIP Training Questions and Correct Answers |
Latest Update
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? Ans: 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.
Anthony Boniface turned 65 in 2024. He was not receiving Social Security
or Railroad Retirement Benefits on his 65th birthday. He was interested
Assignment Expert
in obtaining Medicare coverage and is eligible for premium-free Part A.
Before he could enroll in Medicare, his entire area was impacted by a
Guru01 - Stuvia
hurricane causing massive flooding and severe wind damage. The Federal
government declared this to be a natural disaster which has recently
ended. During this period Anthony's initial enrollment period expired.
Anthony asks you how he can now obtain Medicare coverage. What
2026
should you say? Ans: Anthony is eligible for a special enrollment period
(SEP) because he missed an enrollment period due to the impact of the
©
Federally declared disaster. This SEP will allow Anthony to enroll in Part B
up to six months after the end of the emergency declaration. Anthony
may enroll in premium-free Part A at any time and his Part A coverage
will be retroactive for up to 6 months.
Mrs. Ellis recently turned 66 and decided after many years of work to
retire and begin receiving Social Security benefits. Shortly thereafter Mrs.
Ellis received a letter informing her that she had been automatically
enrolled in Medicare Part B. She wants to understand what this means.
What should you tell Mrs. Ellis? Ans: Part B primarily covers physician
services. She will be paying a monthly premium and, except for many
preventive and screening tests, generally will have 20% co-payments for
these services, in addition to an annual deductible.
, 2 for specific request mail
Mr. Vasquez 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 might be exposed to under Medicare if he were to require
hospitalization because of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare? Ans: Under Original Medicare, there is a single deductible
amount due for the first 60 days of any inpatient hospital stay, after
which it converts into a per-day coinsurance amount through day 90.
After day 90, he would pay a daily amount up to 60 days over his
lifetime, after which he would be responsible for all costs.
Assignment Expert
Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income. What
could you tell Mrs. Cook that might be of assistance? Ans: She should
Guru01 - Stuvia
contact her state Medicaid agency to see if she qualifies for one of
several programs that can help with Medicare costs for which she is
responsible.
2026
Mrs. Thomas 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? Ans: She
©
may enroll at any time while she is covered under her employer plan, but
she will have a special eight-month enrollment period after the last
month on her employer plan that differs from the standard general
enrollment period, during which she may enroll in Medicare Part B.
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? Ans:
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
, 3 for specific request mail
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.
Ms. Kumar 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? Ans:
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.
Assignment Expert
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.
Guru01 - Stuvia
However, the plan does not provide drug benefits. How would you advise
Agent John Miller to proceed? Ans: Tell prospect Jerry Smith that he
should consider adding a standalone Part D prescription drug coverage
2026
policy to his present coverage.
Mr. Moy will soon turn age 65. He is slightly younger than his wife. Mr.
©
Moy's wife has a Medicare Advantage plan, but he wants to understand
what coverage Medicare Supplemental Insurance provides since his
health care needs are different from his wife's needs. What could you tell
Mr. Moy? Ans: Medicare Supplemental Insurance would cover all of his
IRS approved health care expenditures not covered under Original Fee-
for-Service (FFS) Medicare.
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? Ans: Mildred may remain enrolled in Allcare and make a
hospice election. Hospice benefits will be paid for by Original Medicare
