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 forprograms that can help with Medicare

costs for which she is responsible.

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 for the 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? Answer- 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 will pay Part B premiums at more than the standard lowest rate but less than the

highest rate due her substantial income.

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 he can obtain coverage under Medicare. What should you tell

him Answer- After receiving such disability payments for 24 months, he will be

automatically enrolled in Medicare, regardless of age.

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? AnswerPart A, which covers hospital, skilled nursing facility, hospice and home health

services and Part B, which covers professional services such as those provided by a

doctor are covered under Original Medicare.

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? Answer- She may enroll at any time while

she is covered under her employer plan, but she will have a special eight month

enrollment period that differs from the standard general enrollment period, during

which she may enroll in Medicare Part B.

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?