2023/2024 AHIP Module 1, 2, 3, 4, 5 (ACTUAL TEST ) Questions and
Answers GRADED A ALL COREECT
Mr. Moy's wife has a Medicare Advantage plan, but he
... [Show More] 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? ✓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 someservices that Medicare does not cover.
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 ensureno gap in
coverage. What can you tell her? ✓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.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employedfull
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 age 65
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? ✓He may sign-up for Medicare at any time however
coverage usually begins on the fourth month afterdialysis treatments start.
Juan Perez, who is turning age 65 next month, intends to work for several more years at
Smallcap, Incorporated. Smallcap has a workforce of15 employees and offers employersponsored healthcare coverage. Juan is a naturalized citizen and has contributed to the
Medicare system for over 20 years. Juan asks you if he willbe entitled to Medicare and if
he enrolls how that will impact his employer- sponsored healthcare coverage. How would
you respond? ✓Juan is likely to be eligible for Medicare once he turns age 65 and if he
enrolls Medicare would become the primary payor of his healthcare claims and Smallcap
does not have tocontinue to offer him coverage comparable to those under age 65 under
its employer-sponsored group health plan.
or over 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.
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 butreplace her
existing Medigap plan with one that provides drug coverage. What should you tell her? ✓
✓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.
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from
arthritis through massage therapy. She is concerned about whether or not Medicare
will cover these items and services. What should you tell her?
✓✓Medicare does not cover massage therapy, or, in general, glasses or dentures.
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 mightbe exposed to under
Medicare if he were to require hospitalization as a result of anillness. In general terms, what
could you tell him about his costs for inpatient hospital services
under Original Medicare? ✓✓Under 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 coinsurance amount through day 90. After day 90,he would pay a daily amount up
to 60 days over his lifetime, after which he wouldbe responsible for all costs.
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 yearsand paying
Medicare taxes. What should you tell her? ✓✓To obtain Part B coverage, she must pay a
standard monthly premium, though it is higher for individuals with higher incomes.
Mr. Alonso receives some help paying for his two generic prescription drugs fromhis
employer's retiree coverage, but he wants to compare it to a Part D prescriptiondrug plan.
He asks you what costs he would generally expect to encounter when enrolling into a
standard MedicarePart D prescription drug plan. What should you tell him? ✓✓He
generally would pay a monthly premium, annual deductible, and per-prescription costsharing.
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellenthealth
and will have considerable income when she retires. She is concerned thather 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 65or 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.
Mr. Xi will soon turn age 65 and has come to you for advice as to what services areprovided
under Original Medicare. What should you tell Mr. Xi that best describesthe health coverage
provided to Medicare beneficiaries? ✓✓Beneficiaries under Original Medicare have no
cost-sharing for most preventive services which includeimmunizations such as annual flu
shots.
Mrs. Duarte is enrolled in Original Medicare Parts A and B. She has recently reviewed her
Medicare Summary Notice (MSN) and disagrees with a determination that partially denied
one of her claims for services. What advicewould you give her? ✓✓Mrs. Duarte should
file an appeal of this initial determination within 120 days of the date she received the MSN
in the mail.
Mr. Capadona would like to purchase a Medicare Advantage (MA) plan and aMedigap plan
to pick up costs not covered by that plan.
What should you tell him? ✓✓It is illegal for you to sell Mr. Capadona a Medigapplan if
he is enrolled in an MA plan, and besides, Medigap only works with Original Medicare.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could youtell Mrs.
Park that might be of assistance? ✓✓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.
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?
✓✓Medicare will cover a total of 190 days of inpatient psychiatric care during Mr.Rainey's
entire lifetime.
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? ✓✓PartA, which
covers hospital, skilled nursing facility, hospice, and home health [Show Less]