1. Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been
employed full time, and paid taxes during that entire period. She is concerned
that she will not qualify for coverage under part A because she was not born
in the United States. What should you tell her?
Choose one answer.
a. Most individuals who are citizens and over age 65 are covered under Part
A by virtue of having paid Medicare taxes while working, though some may
be covered as a result of paying monthly premiums.
b. Most individuals who are citizens and over age 65 and wish to be covered
under Part A must enroll in a Medicare Health Plan.
c. Most individuals who are citizens and over age 65 and are covered under
Part A must pay a monthly premium for that coverage.
d. All individuals who are citizens and over age 65 will be covered under
Part A.: a. Most individuals who are citizens and over age 65 are covered under
Part A by virtue of having paid Medicare taxes while working, though some may be
covered as a result of paying monthly premiums.
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?: d. After receiving such disability
payments for 24 months, he will be automatically enrolled in Medicare,
regardless of age.
3. Mr. Denton 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?: a.
He may sign-up for Medicare at any time however coverage usually begins on
the fourth month after dialysis treatments start. Correct
4. 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?: a. In order to obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes. Correct
5. 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
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you tell him?: b. Mr. Diaz will not pay any penalty because he had continuous
coverage under his employer's plan. Correct
6. Mrs. PeHa 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?: d. 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.
Correct
7. Mrs. Kelly, age 65, is entitled to Part A, but has not yet enrolled in Part B.
She is considering enrollment in a Medicare health plan (Part C). What
should you advise her to do before she will be able to enroll into a
Medicare health plan?: Mrs. Kelly, age 65, is entitled to Part A, but has not yet
enrolled in Part B. She is considering enrollment in a Medicare health plan (Part
C). What should you advise her to do before she will be able to enroll into a
Medicare health plan?
8. Mrs. Park is an elderly retiree. She has a low, fixed income. What could
you tell Mrs. Park that might be of assistance?: d. 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. Correct
9. 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?: a. Mr. Wu may still qualify for help
in paying Part D costs through his State Pharmaceutical Assistance Program.
Correct
10. 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 might be exposed to under Medicare if he were to require
hospitalization as a result of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare?: d. 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 Correct
11. Mrs. Shields is covered by Original Medicare. She sustained a hip fracture
and is being successfully treated for that condition. However, she and her
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