AHIP STUDY GUIDE MODULE 1-5 2024 NEW UPDATE WITH CORRECT ANSWERS
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AHIP STUDY GUIDE MODULE 1-5 2024
NEW UPDATE WITH CORRECT ANSWERSAHIP STUDY GUIDE MODULE 1-5 2024
NEW UPDATE WITH CORRECT ANSWERS AHIP STUDY GUIDE MODULE 1-5 2024
NEW UPDATE WITH CORRECT ANSWERS
AHIP STUDY GUIDE MODULE 1 -5 2024 NEW UPDATE WITH CORRECT ANSWERS 1. Mr. Wu is eligible for Medicare. He has limited financial resources but failed to qualify for the Part D low -income subsidy. Where might he turn for help with his prescription drug costs? - answersMr. Wu may still qualify for help in paying Part D costs th rough his State Pharmaceutical Assistance Program. 2. Mrs. Gonzalez is enrolled in Original Medicare and has a Medigap policy as well, but it provides no drug coverage. She would like to keep the coverage she has but replace her existing Medigap plan with one that provides drug coverage. What should you tell her? - answersMrs. 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. 3. Shirly Thomas was enrolled in Medicaid during the Public Health Emergency (PHE). This coverage has recently been terminated due to the end of the PHE. While Shirley was enrolled in Medicaid, she missed an opportunity to enroll in Medicare and now wants Par t B. Which of the following statements best describes Shirley's ability to now enroll in Medicare Part B? - answersShirley is eligible for a Special Enrollment Period (SEP) for up to six months after the termination of her Medicaid coverage. Under this SEP , Shirley can choose retroactive coverage back to the date of termination from Medicaid or coverage beginning the month after the month of enrollment. 4. Anthony Boniface turned 65 in 2023. He was not receiving Social Security or Railroad Retirement Benefits on his 65th birthday. He was interested in obtaining Medicare coverage and is eligible for premium -
free Part A. Before he could enroll in Medicare, his entire area was impacted by a hurricane causing massive flooding and severe wind damage. The Federal government declared this to be a natural disaster which has recently ended. During this period Anthony's initial enrollment period expired. Anthony asks you how he can now obtain Medicare coverage. What should you say? - answersAnthony is eligible for a special enrollment period (SEP) because he missed an enrollment period due to the impact of the Federally declared disaster. T his SEP will allow Anthony to enroll in Part B up to six months after the end of the emergency declaration. Anthony may enroll in premium -free Part A at any time and his Part A coverage will be retroactive for up to 6 months. 5. 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? - answersTo obtain Part B coverage, she must p ay a standard monthly premium, though it is higher for individuals with higher incomes. 6. 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 wil l have to pay. What should you tell him? - answersMr. Diaz will not pay any penalty because he had continuous coverage under his employer's plan. 7. 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. How would you advise Agent John Miller to proceed? - answersTell prospect Jerry Smith that he should consider adding a standalone Part D prescription drug coverage policy to his present coverage. 8. 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? - answersShe may enroll at any time while she i s 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. 9. 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? - answersMedicare is a program for people age 65 or older and those under age 65 with certain disabilities, end -stage renal disease, and Lou Gehrig's disease so she will be eligible for Medicare. 10. Mildred Savage enrolled in Allcare Medicare Advantage plan several years ago. Mildred recently learned 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 fam ily asks you whether hospice benefits will be paid for under the Allcare Medicare Advantage plan. What should you say? - answersMildred 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. 11. 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? - answersHe may sign -up for Medicare at any time however coverage usually begins on the fourth month after dialysis treatments start 12. Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and a Medigap plan to pick up costs not covered by that plan. What should you tell him? - answersIt is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA plan, a nd besides, Medigap only works with Original Medicare. 13. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that might be of assistance? - answersShe should
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