AHIP - Final examination 2023 with all the correct answers(Actual test 100% verified)

2023 AHIP FINAL TEST WITH ALL THE

CORRECT ANSWERS(Actual exam)

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? Correct answer- He may sign-up for Medicare at

any time however coverage usually begins on the fourth month after dialysis 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

employer-sponsored healthcare coverage. Juan is a naturalized citizen and has

contributed to the Medicare system for over 20 years. Juan asks you if he will be

entitled to Medicare and if he enrolls how that will impact his employer-sponsored

healthcare coverage. How would you respond? Correct answer- 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 to continue to offer

him coverage comparable to those under age 65 under its employer-sponsored group

health plan.

Mr. Moy's wife has a Medicare Advantage plan, but he 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? Correct answer- 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 some

services 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 ensure no gap

in coverage. What can you tell her? Correct 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 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 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? Correct 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. 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? Correct 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. 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? Correct answer- 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 might be exposed to

under Medicare if he were to require hospitalization as a result of an illness. In general

terms, what could you tell him about his costs for inpatient hospital services

under Original Medicare? Correct 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.

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? Correct answer- 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 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 MedicarePart D prescription drug plan. What should you tell him?

Correct answer- He generally would pay a monthly premium, annual deductible, and

per-prescription cost-sharing.

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? Correct 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.

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? Correct answer- Beneficiaries