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AHIP Question And Answers Latest Quiz 2021
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AHIP Question And Answers Latest Quiz 2021Mrs. Quinn recently turned 66 and decided after many years of work to begin receiving Social
Security benefits. Shortly thereafter Mrs. Quinn received a letter informing her that she has been
automatically enrolled in Medicare Part B. She wants to understand what this means. What should
you tell Mrs. Quinn? Correct Answer: Part B primarily covers physician services. She will be paying a
monthly premium and, with the exception of many preventive and screening tests, generally will have
20% coinsurance for these services, in addition to an annual deductible.
Mrs. Turner is comparing her employer's retiree insurance to Original Medicare and would like to
know which of the following services Original Medicare will cover if the appropriate criteria are met?
What could you tell her? Correct Answer: Original Medicare covers ambulance services.
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: Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan.
Anita Magri will turn age 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? Correct Answer: 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.
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? Correct Answer: Medicare Supplemental Insurance would help cover
his Part A and Part B cost sharing in Original Fee-for-Service (FFS) Medicare as well as possibly
some services that Medicare does not cover.
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.
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.
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.
, Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is being successfully
treated for that condition. However, she and her physicians feel that after her lengthy hospital stay
she will need a month or two of nursing and rehabilitative care. What should you tell them about
Original Medicare's coverage of care in a skilled nursing facility? Correct Answer: Medicare will cover
Mrs. Shield's skilled nursing services provided during the first 20 days of her stay, after which she
would have a copay until she has been in the facility for 100 days.
Mr. Xi will soon turn age 65 and has come to you for advice as to what services are provided under
Original Medicare. What should you tell Mr. Xi that best describes the health coverage provided to
Medicare beneficiaries? Correct Answer: Beneficiaries under Original Medicare have no cost-sharing
for most preventive services which include immunizations such as annual flu shots.
Mrs. Geisler's neighbor told her she should look at her Part D options during the annual Medicare
enrollment period because features of Part D might have changed. Mrs. Geisler can't remember what
Part D is so she called you to ask what her neighbor was talking about. What could you tell her?
Correct Answer: Part D covers prescription drugs and she should look at her premiums, formulary,
and cost-sharing among other factors to see if they have changed.
What impact, if any, will recent regulatory changes have upon Medigap plans? Correct Answer: The
Part B deductible will no longer be covered for individuals newly eligible for Medicare starting January
1, 2020.
Mr. Wu is eligible for Medicare. He has limited financial resources but failed to qualify for the Part D
low-income subsidy. Where might he turn for help with his prescription drug costs? Correct Answer:
Mr. Wu may still qualify for help in paying Part D costs through his State Pharmaceutical Assistance
Program.
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.
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.
Mrs. Paterson is concerned about the deductibles and co-payments associated with Original
Medicare. What can you tell her about Medigap as an option to address this concern? Correct
Answer: Medigap plans help beneficiaries cover coinsurance, co-payments, and/or deductibles for
medically necessary services
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