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AHIP PRACTICE EXAM QUESTIONS WITH COMPLETE ANSWERS
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AHIP PRACTICE EXAM QUESTIONS WITH COMPLETE ANSWERS
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AHIP PRACTICE EXAM QUESTIONSWITH COMPLETE ANSWERS
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? -
Answer-Medicare is a program for people age 65 or older & those age under 65 with
certain disabilities; ESRD, & ALS so she will be eligible for Medicare.
Mrs. Chen will be 65 soon, has been a citizen for 12 years, has been employed full-
time, & paid taxes during the entire period. She is concerned that she will not qualify for
coverage under Part A because she was not born in the U.S. what should you tell her? -
Answer-Most people who are citizens & age 65 and older 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.
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 healthcare costs he might be exposed
under Medicare if he were to require hospitalization as a result of an illness. What could
you tell him about his costs for inpatient hospital services under OG Medicare? -
Answer-Under OG 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.
Mrs. Park is an elderly retiree and has a low fixed income. Would could you tell Mrs.
Park that may help her? - Answer-She could contact her state Medicaid to see if she
qualifies for one of several programs that can help with Medicare costs for which she is
responsible.
Mr. Schmidt would like to plan for retirement and has asked you what is covered under
OG Medicare? What would you tell him? - Answer-Part A covers hospital, SNF,
hospice, & home health services & Part B, which covers professional services such as
those provided by a doctor are covered under OG Medicare
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from
arthritis through massage therapy. She is concerned whether or not Medicare will cover
these items. What should you tell her? - Answer-Medicare does not cover massage
therapy or in general glasses or dentures
Mr. A receives some help paying for his 2 generic prescr. drugs from his employer's
retiree coverage, but he wants to compare it to Part D PDP. He asks you what costs he
would generally encounter when enrolling into a standard Medicare Pt D drug plan?
, what should you tell him? - Answer-He would generally pay a monthly premium, annual
ded., & prescr. cost-sharing.
Mrs. P is 66 years old, has coverage under an employer plan, & will retire next year.
She heard she must enroll in Pt B at the beginning of the year to ensure no gap in
coverage. What can you tell her? - Answer-She may enroll at anytime while she is
covered under her employer plan, but she will have an 8 month enrollment period after
the last month her employer plan that differs from the standard GEP, during which she
may enroll in Med Pt B
Mrs. G is enrolled in a OG med & has a Medigap policy as well, but it provides no drug
coverage. She would like to keep the coverage she has but keep the coverage that she
has but replace her existing Medigap with one that provides drug coverage. What would
you tell her? - Answer-Mrs. G can not purchase a Medigap plan that covers drugs, she
she could keep her medigap policy & enroll in a Pt D PDP
Mr. D is 52 years old & has recently been diagnosed with ESRD & will soon begin
dialysis. He is wondering if he can get coverage under Medicare. What should you tell
him? - Answer-He may sign up for Medicare at anytime, however coverage usually
begins on the 4th month after dialysis tx begins.
Mr. H believes that she will qualify for Medicare when she turns 65 without paying any
premiums bc she has worked 40 years & paid Medicare taxes. What should you tell
her? - Answer-To get Pt B coverage, she must pay a standard monthly premium,
though it is higher for people with higher incomes.
Mr. C would like to purchase a MA plan & a Medigap plan. what should you tell him? -
Answer-It is illegal for you to sell Mr. C a Medigap plan if he is enrolled in an MA plan.
Plus Medigap only works with OG Medicare
Mr. R has been experiencing delusions & his physician feels that he should be
hospitalized. What should you tell Mr. R/ his rep about the length of an inpatient hospital
stay that Medicare will cover? - Answer-Medicare will cover a total of 190 days of
inpatient psychiatric care during Mr. R's entire lifetime
Mr. M wants to understand what coverage Medicare Supplemental insurance provides.
What could you tell him? - Answer-Medicare Supplemental insurance would help
coverage Part A & B deds or coinsurance in Original FFS Medicare & possibly some
services that Medicare does not cover.
Mr. B wants to know if Medicare covers cancer screening? What should you tell him? -
Answer-Medicare covers periodic ranges of screening tests that are meant to provide
early detection of diseases. Mr. B will have to check specific tests before getting them to
see if they will be covered
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