1. Mrs. Paterson is concerned about the deductibles and co-payments associated
with Original Medicare. What can you tell her about Medigap as an option to
address this concern?
Answer: Medigap plans help beneficiaries cover OriginalMedicare benefits, but they
coordinate with Original Medicare coverage.
2. Mr. Singh would like drug coverage but does not want to be enrolled in a
Medicare Advantage plan.What should you tell him?
Answer: Mr. Singh can enroll in astand-alone prescription drug plan and continue to
be covered for Part A and PartB services through Original Fee-for-Service
Medicare.
3. 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. Sheis concerned that her
income will make it impossible for her to qualify forMedicare.What could you tell
her to address her concern?
Answer: Medicare 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.
4. 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 forthose who did notsign up for PartB when first eligible andwants to know
how much he will have to pay. What should you tell him?
Answer: Mr. Diaz will not pay any penalty because he had continuous coverage
under his employer's plan.
5. 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 Millerto proceed?
Answer: Tell prospectJerry Smith that he should consider adding a standalonePart D
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