AHIP FINAL 2024 ACTUAL EXAM
QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS)
|ALREADY GRADED A+
Edward IP suffered from serious kidney disease. As a result. Edward became eligible for
Medicare coverage due to end-stage renal disease (ESRD). A close relative donated their
kidney and Edward successfully underwent transplant surgery 12 months ago. Edward is
now age 50 and asks you if his Medicare coverage will continue, what should you say?
*Ans*ƒ) Individuals eligible for Medicare based on ESRD generally lose eligibility 36
months after the month in which the individual receives a kidney transplant unless they are
eligible for Medicare on another basis such as age or disability. Edward may, however,
remain enrolled in Part B but solely for coverage of immunosuppressive drugs if he has no
other health care coverage that would cover the drugs.
Mildred Savage enrolled in Allcare Medicare Advantage plan several years ago. Mildred
recentlylearned that she is suffering from inoperable cancer and has just a few months to
live. She would like to spend these final months in hospice care. Mildred's family asks you
whether hospice benefits will be paid for under the Allcare Medicare Advantage plan. What
should you say?
*Ans*ƒ) Mildred may remain enrolled in Allcare and make a hospice election. Hospice
benefits will be paid for by Original Medicare under Part A and Allcare will continue to
pay for any non-hospice services.
,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? *Ans*)ƒ Mr. Diaz will not pay any penalty because he had
continuous coverage under his employer's plan.
Mr. Moy'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. Moy? *Ans*)ƒ Medicare Supplemental Insurance
would help cover his Part A and Part B deductibles or coinsurance 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, andpaid 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? *Ans*)ƒ Most individuals who are citizens and age 65 or over are covered under Part A
by virtue of having paidMedicare taxes while working, though some may be covered as a
result of paying monthly premiums.
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 hecan obtain coverage under Medicare. What should you tell him? *Ans*)ƒ After
,receiving such disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age.
Mr. Xi will soon turn age 65 and has come to you for advice as to what services are
provided under Original Medicare. What should you tell Mr. Xi that best describes the
health coverage provided to Medicare beneficiaries? *Ans*ƒ) Beneficiaries under Original
Medicare have no cost-sharing for most preventive services which include immunizations
such as annual flu shots.
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? *Ans*)ƒ She may enroll at any time while she is covered
under her employer plan, but she will have a special eight-month enrollment period after
the last month on her employer plan that differs from the standard general enrollment
period, during which she may enroll in Medicare Part B.
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal disease
(ESRD) and will soon begin dialysis. He is wondering if he can obtain coverage under
Medicare. What should you tell him? *Ans*)ƒ He may sign-up for Medicare at any time
however coverage usually begins on the fourth month after dialysis treatments start.
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 forthe 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? *Ans*)ƒ 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 willpay Part B premiums at more than the standard lowest rate but less than the highest
rate due her substantial income.
Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65,
withoutpaying any premiums, because she has been working for 40 years and paying
Medicare taxes. What should you tell her? *Ans*)ƒ To obtain Part B coverage, she must pay
a standard monthly premium, though it is higher for individuals with higher incomes.
To obtain Part B coverage, she must pay a standard monthly premium, though it is higher
for individuals with higher incomes. *Ans*)ƒ Mrs. Gonzalez cannot purchase a Medigap
plan that covers drugs, but she could keep her Medigap policy and enroll in a Part D
prescription drug plan.
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled
in Medicare Parts A and B. Jerry has also purchased a Medicare Supplement (Medigap)
plan which he has had for several years. However, the plan does not provide drug benefits.
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