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.
What impact, if any, will recent regulatory changes have upon Medigap plans? -
ANS -The Part B deductible will no longer be covered for individuals newly
eligible for Medicare starting January 1, 2020
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? - ANS -Original
Medicare covers ambulance services.
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? - ANS -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 copayments associated
with Original Medicare. What can you tell her about Medigap as an option to
address this concern? - ANS -Medigap plans help beneficiaries cover
coinsurance, co-payments, and/or deductibles for medically necessary services.
Anita Magri will turn 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? - ANS -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. Singh would like drug coverage but does not want to be enrolled in a
Medicare Advantage plan. What should you tell him? - ANS -Mr. Singh can enroll
in a stand-alone prescription drug plan and continue to be covered for Part A and
Part B services through Original Fee-for-Service 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? - ANS -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. 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.
Mrs. 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? - ANS
-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.
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.
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
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