AHIP Module Quiz Practice Questions

AHIP Module Quiz Practice Questions

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AHIP Module Quiz Practice Questions

• What impact, if any, have recent regulatory changes had on Medigap plans?-

Answer: The Part B deductible is no longer covered for individuals newly eligible for Medicare starting January 1, 2020.

• 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?Answer: Medicare does not cover massage therapy, or, in general, glasses or dentures.

• 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?Answer: He may sign-up for Medicare at any time however coverage usually begins on the fourth month after dialysis treatments start.

• Ms. Brooks has aggressive cancer and would like to know if Medicare will cover hospice

services in case she needs them. What should you tell her?

Answer: Medicare covers hospice services, and they will be available for her.

• 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?Answer: 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. Turner is comparing her employer's retiree insurance to Original Medicare and would

like to know which of the following services Original Medicare will cover if the appropriate criteria are met. What could you tell her?

Answer: Original Medicare covers ambulance services.

• Mrs. Quinn recently turned 66 and decided after many years of work to retire and begin

receiving Social Security benefits. Shortly thereafter Mrs. Quinn received a letter informing her that she had been automatically enrolled in Medicare Part B. She wants to understand what this means. What should you tell Mrs. Quinn?Answer: Part B primarily covers physician services. She will be paying a monthly premium and, except for many preventive and screening tests, generally will have 20% co-payments for these services, in addition to an annual deductible.

• 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?- 2 / 3

Answer: Beneficiaries under Original Medicare have no cost-sharing for most preventive services.

• 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?Answer: Most individuals who are citizens and age 65 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. Geisler's neighbor told her she should look at her Part D options during the annual

Medicare enrollment period because the features of Part D might have changed. Mrs. Geisler can't remember what Part D is so she called you to ask what her neighbor was talking about.What could you tell her?Answer: Part D covers prescription drugs and she should look at her premiums, formulary, and cost-sharing among other factors to see if they have changed.

• Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs.

Park that might be of assistance?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.

• Mr. Alonso receives some help paying for his two generic prescription drugs from his

employer's retiree coverage, but he wants to compare it to a Part D prescription drug plan. He asks you what costs he would generally expect to encounter when enrolling into a standard Medicare Part D prescription drug plan. What should you tell him?Answer: He generally would pay a monthly premium, annual deductible, and per-prescription cost-sharing.

• 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 might be exposed to under Medicare if he were to require hospitalization because of an illness. In general terms, what could you tell him about his costs for inpatient hospital services under Original Medicare?Answer: 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 would be responsible for all costs.

• Anita Magri will turn age 65 in August 2023. Anita intends to enroll in Original Medicare

Part A and Part B. She would also like to enroll in a Medicare Supplement (Medigap) plan.Anita's older neighbor Mel has told her about the Medigap Plan F in which he is enrolled. It not only provides foreign travel emergency benefits but also covers his Medicare Part B deductible. Anita comes to you for advice. What should you tell her?Answer: You are sorry to disappoint Anita, but a Medigap F plan is no longer available to

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