Medicare exam UPDATED VERSION WITH COMPLETE Q&A

Medicare exam UPDATED VERSION WITH COMPLETE Q&A 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 US. What should you tell her? Module 1 ANSWER : 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. Bauer is 49 years old, but eighteen months ago he was declared disabled by the SSA and has been receiving disability payments. He is wondering whether he can obtain coverage under Medicare. What should you tell him? Module 1 ANSWER : After receiving such disability payments for 24 months, he will be automatically enrolled in Medicare, regardless of age. Davis is 49 years old and has been receiving disability benefits from the SSA for 12 months. Can you sell him a MA or Part D PDP? Module 1 ANSWER : No, he cannot purchase a MA or Part D policy because he has not received SS or RR disability benefits for 24 months. Henderson believes that she will qualify for Medicare coverage when she turns 65, w/o paying any premiums, because she has been working for 40 years and paying Medicare taxes. What should you tell her? Module 1 ANSWER : In order to obtain Part B coverage, she must pay a standard monthly premium, though it is higher for individuals with higher incomes. Diaz continued working with his company and was insured under his employer's group plan until he reached 68 years old. He ahs 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. Module 1 ANSWER : The penalty will be permanent 10% increase in his Part B premium for every 12 month period that passed during which he could have enrolled and did not. Mrs. Pena 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. Module 1 ANSWER : She may not enroll in Part B while covered under an employer group health plan and must wait until the standard general enrollment period after she retires. Mrs. Kelly is entitles 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? Module 1 ANSWER : In order to join a Medicare plan, she also must enroll in Part B. Toma has a low, fixed income. What could you tell her that might be of assistance? Module 1 ANSWER : She 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. 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. Module 1