Final EXAM QUESTIONS AND ANSWERS.
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?
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled...
1). 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?
Ans: Mr. Wu may still qualify for help in paying Part D costs through his State
Pharmaceutical Assistance Program.
2). 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?
Ans: After receiving such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
3). 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 under Part A and Allcare will continue to
pay for any non-hospice services.
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?
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.
5). 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?
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, Ans: Tell prospect Jerry Smith that he should consider adding a standalone Part D
prescription drug coverage policy to his present coverage.
6). Mr. davis is 52 years old and has recently been diagnosed with end-stage renal disease
(esrd) and will soon begin dialysis. he is wondering if he can obtain coverage under
medicare. what should you tell him?
Ans: He may sign-up for Medicare at any time however coverage usually begins on
the fourth month after dialysis treatments start.
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?
Ans: Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan.
8). 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 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.
9). Edward ip suffered from serious kidney disease. as a result. edward became eligible for
medicare coverage due to end-stage renal disease (esrd). a close relative donated their
kidney and edward successfully underwent transplant surgery 12 months ago. edward is
now age 50 and asks you if his medicare coverage will continue, what should you say?
Ans: Individuals eligible for Medicare based on ESRD generally lose eligibility 36
months after the month in which the individual receives a kidney transplant unless they
are eligible for Medicare on another basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for coverage of immunosuppressive drugs
if he has no other health care coverage that would cover the drugs.
10).
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, 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 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.
11). Mr. capadona would like to purchase a medicare advantage (ma) plan and a medigap plan
to pick up costs not covered by that plan. what should you tell him?
Ans: It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA
plan, and besides, Medigap only works with Original Medicare.
12). Ms. henderson believes that she will qualify for medicare coverage when she turns 65,
without paying any premiums, because she has been working for 40 years and paying
medicare taxes. what should you tell her?
Ans: To obtain Part B coverage, she must pay a standard monthly premium, though it
is higher for individuals with higher incomes.
13). Mrs. park is an elderly retiree. mrs. park has a low fixed income. what could you tell mrs.
park that might be of assistance?
Ans: She should 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.
14). Shirly thomas was enrolled in medicaid during the public health emergency (phe). this
coverage has recently been terminated due to the end of the phe. while shirley was
enrolled in medicaid, she missed an opportunity to enroll in medicare and now wants part
b. which of the following statements best describes shirley's ability to now enroll in
medicare part b?
Ans: Shirley is eligible for a Special Enrollment Period (SEP) for up to six months after
the termination of her Medicaid coverage. Under this SEP, Shirley can choose retroactive
coverage back to the date of termination from Medicaid or coverage beginning the
month after the month of enrollment.
15). 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?
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