-
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?
- Medigap plans help beneficiaries cover
- coinsurance, co-payments, and/or deductibles for medically necessary services
-
Mrs. Schlick 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?
- Mrs. Schlick cannot purchase a
- Medigap plan that covers drugs, but she could keep her Medigap policy and
- enroll in a Part D prescription drug plan.
-
Mr. Capadona would like to
purchase a Medicare Advantage (MA) plan and a Medigap 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 Medigap plan if he is enrolled in an MA plan, and besides,
- Medigap only works with Original Medicare
-
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?
Original Medicare covers ambulance services.
-
Mrs.
Geisler's neighbor told her she should look at her Part D options during the
annual Medicare enrollment period because 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?
- Part D covers prescription drugs and she should look at her premiums, formulary, and
- cost sharing to see if they have changed
-
Mrs. McNamara 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?
- Most individuals who are
- citizens and over age 65 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
-
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?
- In order 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 Medicare Part D
prescription drug plan. What should you tell him?
- He generally would pay a monthly premium,
- annual deductible, and per-prescription cost sharing
-
Mr. Meoni'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.
Meoni?
- Medicare
- Supplemental Insurance would help cover his Part A and Part B cost sharing in
- Original Fee-for-Service (FFS) Medicare as well as possibly some services that
- Medicare does not cover
-
Mr. Singh would like drug coverage, but does
not want to be enrolled into a health plan. What should you tell him?
- Mr.
- Singh can enroll in a stand-alone prescription drug plan and continue to be
- covered for Part A and Part B services through Original Fee-for-Service
- Medicare
-
Mr.
Styles 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?
- Part
- 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
-
Mr. Hudson is concerned that if he signs up for a Medicare
health plan, the health plan may, at some time in the future, reduce his
benefits below what is available in Original Medicare. What should you tell him
about his concern?
Medicare health plans must cover
all benefits available under Medicare Part A and Part B. Many also cover Part D
prescription drugs
Medicare health plans must cover
all benefits available under Medicare Part A and Part B. Many also cover Part D
prescription drugs
- Medicare health plans must cover
- all benefits available under Medicare Part A and Part B. Many also cover Part D
- prescription drugs
-
Mr. Bush is 49 years old and has been receiving disability
benefits from the Social Security Administration for 12 months. Can you sell
him a Medicare Advantage or Part D Prescription Drug policy?
- No, he cannot purchase a Medicare Advantage or Part D policy
- because he has not received Social Security or Railroad Retirement disability
- benefits for 24 months
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