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?
After receiving such disability payments for 24...
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?
After receiving such disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of
age
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?
No, 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.
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?
In order to obtain Part B coverage, she must pay a standard monthly premium, though it is
higher for individuals with higher incomes
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a few weeks. She
concerned about having prescription drug coverage. Which of the following statements provides
the best advice?
Prescription drug coverage can be obtained by enrolling in a Medicare Advantage plan that
includes Part D coverage
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage plan, the health plan
may, at some time in the future, reduce his benefits below what is available in Original
Medicare. What should you tell him about his concern?
Medicare health plans must cover all benefits available under Medicare Part A and Part B. Many
also cover Part D prescription
drugs
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 to address her concern?
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end stage renal disease or Lou Gehrig’s disease, so she will be eligible for Medicare
Mrs. Willard wants to know generally how the benefits under Original Medicare might compare to
the benefit package of a Medicare Health Plan before she starts looking at specific plans.
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Medicare Health Plans may offer extra benefits that Original Medicare does not offer such as
vision, hearing, and dental services and must include a maximum out-of-pocket limit on Part A
and Part B services
Mr. Meoni’s wife has a Medicare Advantage plan, but he wants to understand what coverage
Medicare Supplemental Insurance provides since his health care needs are different from his
wife’s needs. What could you tell Mr.Meoni?
Medicare Supplemental Insurance would help cover his Part A and Part B cost sharing in Original
Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare does not cover
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?
Most 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
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?
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. 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?
They are Medicare health plans such as HMOs, PPOs, PFFS, SNPs, and MSAs
Mr. Wells is trying to understand the difference between Original Medicare and Medicare
Advantage. What would be a correct description?
Medicare 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?
A 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.
Mrs. Radford asks whether there are any special eligibility requirements for Medicare
Advantage. What should you tell her?
Mrs. 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?
He is not eligible to enroll in a Medicare Advantage plan until he re-enrolls in Medicare Part B.
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?
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She 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?
In 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)
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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?
Mrs. 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?
SNPs have special programs for enrollees with chronic conditions, like Mr. Sinclair, and they
provide prescription drug coverage that could be very helpful as
well.
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?
SNPs 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
Mr. Gomez notes that a Private Fee-for-Service (PFFS) plan available in his area has an
attractive premium. He wants to know if he must use doctors in a network like his current HMO
plan requires him to do. What should you tell him?
He may receive health care services from any doctor allowed to bill Medicare, as long as he
shows the doctor the plan’s identification card and the doctor agrees to accept the PFFS plan’s
payment terms and conditions, which could include balance billing
Mrs. Lee is discussing with you the possibility of enrolling in a Private Fee-for-Service (PFFS)
plan. As part of that discussion, what should you be sure to tell her?
If she uses non-network providers, her doctors and hospital could decide whether to treat her on
a visit-by-visit basis
Mr. McTaggert notes that a Private Fee-for-Service (PFFS) plan available in his area has an
attractive premium. He wants to know what makes them different from an HMO or a PPO.
What should you tell him?
Enrollees in a PFFS plan can obtain care from any provider in the U.S. who accepts Original
Medicare, as long as the provider has a reasonable opportunity to access the plan’s terms and
conditions and agrees to accept them
If Dr. Elizabeth Brennan does not contract with the PFFS plan, but accepts the plan’s terms and
conditions for payment, how will she be paid?
Generally, the PFFS plan will pay Dr. Brennan directly the same amount Original Medicare
would pay her.
Mrs. Lyons is in good health, uses a single prescription, and lives independently in her own
home. She is attracted by the idea of maintaining control over a Medical Savings Account
(MSA), but is not sure if the plan associated with the account will fit her needs. What specific
piece of information about a Medicare MSA plan would it be important for her to know, prior to
enrolling in such a plan?
All MSAs cover Part A and Part B benefits, but not Part D prescription drug benefits, which
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