2022 AHIP Module 5 Questions & Answers

Mr. Ziegler is turning 65 next month and has asked you what he can do, and when he must do it, with
respect to enrolling in Part D. What could you tell him? - ANS-He is currently in the Part D Initial
Enrollment Period (IEP) and, during this time, he may make one Part D enrollment choice, including
enrollment in a stand-alone Part D plan or an MA-PD plan.

Mr. Johannsen is entitled to Medicare Part A and Part B. He gains the Part D low-income subsidy. How
does that affect his ability to enroll or disenroll in a Part D plan? - ANS-He qualifies for a special election
period and can enroll in or disenroll from a Part D plan once during that period.

Mrs. Schmidt is moving and a friend told her she might qualify for a "Special election period" to enroll in
a new Medicare Advantage plan. She contacted you to ask what a special election period is. What could
you tell her? - ANS-a period, outside of the Annual Election Period, when a Medicare beneficiary can
select a new or different Medicare Advantage and/or Part D prescription drug plan. Typically the Special
election period is beneficiary specific and results from events, such as when the beneficiary moves
outside of the service area.

Mrs. Margolis contacts you in August because she will become eligible for Medicare for the first time in
November. She would like to meet and discuss plan choices with you. What advice should you give her?
- ANS-You cannot discuss plan options for the following year before October 1. If you meet before
October 1, you can only discuss options for the current plan year. Starting October 1, you are permitted
to simultaneously market plans for the current and prospective years, provided marketing materials
indicate what plan year is being discussed.

When Myra first became eligible for Medicare, she enrolled in Original Medicare (Parts A and B). She is
now 67 and will turn 68 on July 1. She would now like to enroll in a Medicare Advantage (MA) plan and
approaches you about her options. What advice would you give her? - ANS-She should enroll during the
Annual Election Period (AEP), which takes place from October 15 to December 7 each year.

Mr. and Mrs. Nunez attended one of your sales presentations. They've asked you to come to their home
to clear up a few questions. During the presentation, Mrs. Nunez feels tired and tells you that her
husband can finish things up. She goes to bed. At the end of your discussion, Mr. Nunez says that he
wants to enroll both himself and his wife. What should you do? - ANS-As long as she can do so, only Mrs.
Nunez can sign her enrollment form. Mrs. Nunez will have to wake up to sign her form or do so at
another time.

Mrs. Young is currently enrolled in Original Medicare (Parts A and B), but she has been working with
Agent Neil Adams in the selection of a Medicare Advantage (MA) plan. It is mid-September, and Mrs.
Young is going on vacation. Agent Adams is considering suggesting that he and Mrs. Young complete the
application together before she leaves. He will then submit the paper application before the start of the
annual enrollment period (AEP). What would you say If you were advising Agent Adams? - ANS-This is a
bad idea. Agents are generally prohibited from soliciting or accepting an enrollment form before the
start of the AEP.

You have come to Mrs. Midler's home for a sales presentation. At the beginning of the presentation,
Mrs. Midler tells you that she has a copy of her medical records available because she thinks this will
help you understand her needs. She suggests that you will know which questions to ask her about her
health status in order to best assist her in selecting a plan. What should you do? - ANS-You can only ask
Mrs. Midler questions about conditions that affect eligibility, specifically, whether she has one of the
conditions that would qualify her for a special needs plan.

Mr. Roberts is enrolled in an MA plan. He recently suffered complications following hip replacement
surgery. As a result, he has spent the last three months in Resthaven, a skilled nursing facility. Mr.
Roberts is about to be discharged. What advice would you give him regarding his health coverage
options? - ANS-His open enrollment period as an institutionalized individual will continue for two
months after the month he moves out of the facility.

A client wants to give you an enrollment application on October 1 before the beginning of the Annual
Election Period because he is leaving on vacation for two weeks and does not want to forget about
turning it in. What should you tell him? - ANS-You must tell him you are not permitted to take the form.
If he sends the form directly to the plan, the plan will process the enrollment on the day the Annual
Election Period begins.

Mrs. Reeves is newly eligible to enroll in a Medicare Advantage plan and her MA Initial Coverage
Election Period (ICEP) has just begun. Which of the following can she not do during the ICEP? - ANS-She
can enroll in a Medigap plan to supplement the benefits of the MA plan that she's also enrolling in.
Mr. Garrett has just entered his MA Initial Coverage Election Period (ICEP). What action could you help
him take during this time? - ANS-He will have one opportunity to enroll in a Medicare Advantage plan.

Mr. White has Medicare Parts A and B with a Part D plan. Last year, he received a notice that his plan
sponsor identified him as a "potential at-risk" beneficiary. This month, he started receiving assistance
from Medicaid. He wants to find a different Part D plan that's more suitable to his current prescription
drug needs. He believes he's entitled to a SEP since he is now a dual eligible. Is he able to change to a
different Part D plan during a SEP for dual eligible individuals? - ANS-Yes. The "potential at-risk"
designation only impacts the services he may receive from the Part D plan he enrolls, but it doesn't
affect his ability to change plans during this SEP.

Mr. Rockwell, age 67, is enrolled in Medicare Part A, but because he continues to work and is covered by
an employer health plan, he has not enrolled in Part B or Part D. He receives a notice on June 1 that his
employer is cutting back on prescription drug benefits and that as of July 1 his coverage will no longer be
creditable. He has come to you for advice. What advice would you give Mr. Rockwell about special
election periods (SEPs)? - ANS-Mr. Rockwell is eligible for a SEP due to his involuntary loss of creditable
drug coverage; the SEP begins in June and ends on September 1- two months after the loss of creditable
coverage.

Mr. Wendt suffers from diabetes which has gotten progressively worse during the last year. He is
currently enrolled in Original Medicare (Parts A and B) and a Part D prescription drug plan and did not
enroll in a Medicare Advantage (MA) plan during the last annual open enrollment period (AEP) which
has just closed. Mr. Wendt has heard certain MA plans might provide him with more specialized
coverage for his diabetes and wants to know if he must wait until the next annual open enrollment
period (AEP) before enrolling in such a plan. What should you tell him? - ANS-He is neither required to
remain in Original Medicare nor must he purchase Medigap coverage if he chooses to keep his Original
Medicare coverage. Beneficiaries who have severe or disabling chronic conditions and wish to enroll in a
SNP designed to serve individuals with their specific condition have a SEP during which they can enroll in
a SNP designed to serve individuals with their condition.

Mr. Yoo's employer has recently dropped comprehensive creditable prescription drug coverage that was
offered to company retirees. The company told Mr. Yoo that, because he was affected by this change,
he would qualify for a Special election period. Mr. Yoo contacted you to find out more about what this
means. What can you tell him? - ANS-It means that he qualifies for a one-time opportunity to enroll in
an MA-PD or Part D prescription drug plan.
Mr. Chen is enrolled in his employer's group health plan and will be retiring soon. He would like to know
his options since he has decided to drop his retiree coverage and is eligible for Medicare. What should
you tell him? - ANS-Mr. Chen can disenroll from his employer-sponsored coverage to elect a Medicare
Advantage or Part D plan within 2 months of his disenrollment.

You are meeting with Ms. Berlin and she has completed an enrollment form for a MA-PD plan you
represent. You notice that her handwriting is illegible and as a result, the spelling of her street looks
incorrect. She asks you to fill in the corrected street name. What should you do? - ANS-A marketing
representative may correct information on the enrollment form after verifying an individual's
information. The representative must either add his/her initials to the correction or create a separate
"correction" sheet, which he/she signs and dates.

Mr. Block is currently enrolled in a Medicare Advantage plan that includes drug coverage. He found a
stand-alone Medicare prescription drug plan in his area that offers better coverage than that available
through his MA-PD plan and in addition, has a low premium. It won't cost him much more and, because
he has the means to do so, he wishes to enroll in the stand-alone prescription drug plan in addition to
his MA-PD plan. What should you tell him? - ANS-If Mr. Block enrolls in the stand-alone Medicare
prescription drug plan, he will be disenrolled from the Medicare Advantage plan.

Mrs. Kumar would like her daughter, who lives in another state, to meet with you during the Annual
Election Period to help her complete her enrollment in a Part D plan. She asked you when she should
have her daughter plan to visit. What could you tell her? - ANS-Her daughter should come in November.