AHIP final exam -50 questions and answers.pdf file:///C:/Users/HP/Desktop/NIW/AHIP%20final%20exam%20-50%2
AHIP FINAL EXAM 100% VERIFIED 50 QUESTIONS
& ANSWERS GRADED A+
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?
: 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 substan- tial 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?
: Answer You should tell Madeline that she will be able to enroll in Medicare Part A without
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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 dis- abled 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
: 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?
: 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. 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
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coverage. What can you tell her?
: 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 cur- rently
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?
: 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
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