1.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?
A. You would be happy to help Anita enroll in a Medigap Part F plan that will provide foreign
travel benefits as well as cover her Part B deductible.
B. 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.
C. You are sorry to disappoint Anita but Medigap plans are no longer available to thos >ANS>B.
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.
2.Explanation: Individuals who attain age 65 on or after January 1, 2020 cannot purchase a
Medigap plan that pays the Part B deductible. Generally, these are plans C, F, or high deductible
F. Anita can still purchase a Medigap plan that provides foreign travel emergency benefits such
as plan G.
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?
A. You should tell Madeline that she will be able to enroll in both Medicare Part A and Part B
without paying monthly premiums due to her husband's long work record and participation in the
Medicare system.
B. You should tell Madeline that she will need to pay premiums for Part A because of her short
work history. You should also tell Madeline that she will pay part B premiums at the highest rate
because her income over the last several years has exceeded $100,000.
C. You should tell Madeline that she will b >ANS>C. 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 to
her substantial income.
3.Explanation: Madeline will be able to enroll in premium-free Part A due to her husband's work
record. She will pay a premium for Part B coverage based on her income level (her
, income-related monthly adjustment amount [IRMMA]). An income level of $100,000 would mean
Mrs. Martinez would pay a premium more than the standard (lowest) amount but not the highest
level which looks at incomes above $500,000 for those filing individual income tax returns.
Mr. Alonso receives some help paying for his two generic prescription drugs from his employer's
retiree coverage, but he wants to compare it to a Part D prescription drug plan. He asks you
what costs he would generally expect to encounter when enrolling into a standard Medicare Part
D prescription drug plan. What should you tell him?
A. He generally would pay only a monthly premium. Medicare covers all other costs.
B. He generally would pay only a monthly premium and deductible. Medicare covers all other
costs.
C. He generally would pay a monthly premium, annual deductible, and per-prescription
cost-sharing.
D. He generally would pay only a per-prescription co-payment. Medicare covers all other costs.
>ANS>C. He generally would pay a monthly premium, annual deductible, and per-prescription
cost-sharing.
4.Explanation: Costs for Part D beneficiaries typically include a monthly premium, annual
deductible, and per-prescription cost-sharing.
Mr. Buck has several family members who died from different cancers. He wants to know if
Medicare covers cancer screening. What should you tell him?
A. Medicare covers treatments for existing disease, injury, and malformed limbs or body parts.
As such, it does not cover any screening tests and these must be paid for by the beneficiary
out-of-pocket.
B. Medicare covers all screening tests that have been approved by the FDA on a frequency
determined by the treating physician.
C. Medicare covers the periodic performance of a range of screening tests that are meant to
provide early detection of disease. Mr. Buck will need to check specific tests before obtaining
them to see if they will be covered.
D. Medicare covers some screening tests that must be performed within the first year after
enrollment. Beyond that point expenses for screening tests are the responsibility of the
beneficiary. >ANS>C. Medicare covers the periodic performance of a range of screening tests
that are meant to provide early detection of disease. Mr. Buck will need to check specific tests
before obtaining them to see if they will be covered.
5.Explanation: Original Medicare and Medicare Advantage plans cover most preventive
services, such as screening tests, but beneficiaries must confirm coverage of specific tests with
their plans.
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?
A. Mr. Diaz will not pay any penalty because he had continuous coverage under his employer's
plan.
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