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AHIP questions 2024/2025 A+ score assured
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AHIP questions 2024/2025 A+ score assured
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AHIP questionsMr. Lopez has heard that he can sign up for a product called "Medicare Advantage" but is not
sure about what type of plan designs are available through this program. What should you tell
him about the types of health plans that are available through the Medicare Advantage
program? - ANSThey are Medicare health plans such as HMOs, PPOs, PFFS, SNPs, and
MSAs
(W) Mr. Wells is trying to understand the difference between Original Medicare and Medicare
Advantage. What would be a correct description? - ANSMedicare Advantage is a way of
covering all of the Original Medicare benefits through private health insurance companies.
During a sales presentation in Ms. Sullivan's home, she tells you that she has heard about a
type of Medicare health plan known as Private Fee-for-Service (PFFS). She wants to know if
this would be available to her. What should you tell her about PFFS plans? - ANSA PFFS plan
is one of various types of Medicare Advantage plans offered by private entities and she may
enroll in one if it is available in her area.
(W) Mrs. Radford asks whether there are any special eligibility requirements for Medicare
Advantage. What should you tell her? - ANSMrs. Radford must be entitled to Part A and
enrolled in Part B to enroll in Medicare Advantage
Mr. Castillo, a naturalized citizen, previously enrolled in Medicare Part B but has recently
stopped paying his Part B premium. He would like to enroll in a Medicare Advantage (MA) plan
and is still covered by Part A. What should you tell him? - ANSHe is not eligible to enroll in a
Medicare Advantage plan until he re-enrolls in Medicare Part B
(W) Mrs. Billings enrolled in the ABC Medicare Advantage (MA) plan several years ago. Her
doctor recently confirmed a diagnosis of end-stage renal disease (ESRD). What options does
Mrs. Billings have in regard to her MA plan during the next open enrollment season? - ANSShe
may remain in her ABC MA plan or enroll in a Special Needs Plan (SNP) for individuals suffering
from ESRD if one is available in her area
Mr. Kumar is considering a Medicare Advantage HMO and has questions about his ability to
access providers. What should you tell him? - ANSIn most Medicare Advantage HMOs, Mr.
Kumar must obtain his services only from providers who have a contractual relationship with the
plan (except in an emergency).
Mrs. Ramos is considering a Medicare Advantage PPO and has questions about which
providers she can go to for her health care. What should you tell her? - ANSMrs. Ramos can
obtain care from any provider who participates in Original Medicare, but generally will be
charged a lower co-payment if she goes to one of the plan's preferred providers.
,Mr. Sinclair has diabetes and heart trouble and is generally satisfied with the care he has
received under Original Medicare, but he would like to know more about Medicare Advantage
Special Needs Plans (SNPs). What could you tell him? - ANSSNPs have special programs for
enrollees with chronic conditions, like Mr. Sinclair, and they provide prescription drug coverage
that could be very helpful as well
(W) Mr. Greco is in excellent health, lives in his own home, and has a sizeable income from his
investments. He has a friend enrolled in a Medicare Advantage Special Needs Plan (SNP). His
friend has mentioned that the SNP charges very low cost-sharing amounts and Mr. Greco would
like to join that plan. What should you tell him? - ANSSNPs limit enrollment to certain
sub-populations of beneficiaries. Given his current situation, he is unlikely to qualify and would
not be able to enroll in the SNP.
(W) 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? -
ANSMost 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.
(W) 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? - ANSAfter receiving such
disability payments for 24 months, he will be automatically enrolled in Medicare, regardless of
age.
(W) Mr. Davis is 49 years old and has been receiving disability benefits from the Social Security
Administration for 12 months. Can you sell him a Medicare Advantage or Part D Prescription
Drug policy? - ANSNo, he cannot purchase a Medicare Advantage or Part D policy because he
has not received Social Security or Railroad Retirement disability benefits for 24 months.
(W) 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? - ANSIn order to obtain Part B coverage, she must pay a
standard monthly premium, though it is higher for individuals with higher incomes
(W) 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? - ANSMr. Diaz will not pay any penalty because he had continuous
coverage under his employer's plan.
, (W) Mrs. Peňa 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? - ANSShe 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
(W) Mrs. Kelly is entitled to Part A, but is not yet enrolled in Part B. She is considering
enrollment in a Medicare health plan. What should you advise her to do before she will be able
to enroll into a Medicare health plan? - ANSIn order to join a Medicare health plan, she also
must enroll in Part B
Mrs. Park has a low, fixed income. What could you tell her that might be of assistance? -
ANSShe 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
(W) Mr. Yu has limited income and resources so you have encouraged him to see if he qualifies
for some type of financial assistance. Mr. Yu is not sure it is worth the trouble to apply and wants
to know what the assistance could do for him if he qualifies. What could you tell him? - ANSHe
might qualify for help with Part D prescription drug costs and help paying Part A and/or Part B
premiums, deductibles, and/or cost sharing.
(W) 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? -
ANSUnder 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 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
(W) Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be
hospitalized. What should you tell Mr. Rainey (or his representative) about the length of an
inpatient psychiatric hospital stay that Medicare will cover? - ANSMedicare will cover a total of
190 days of inpatient psychiatric care during Mr. Rainey's entire lifetime.
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? -
ANSMedicare will cover Mrs. Shields' skilled nursing services provided during the first 20 days
of her stay, after which she would have a coinsurance until she has been in the facility for 100
days.
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