AHIP TRAINING Module 1

AHIP TRAINING Module 1 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 Pa ...

AHIP TRAINING Module 1 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 US. (Medicare Entitlement Part A) - ✔✔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. BAUER is 49 years old, but eighteen months ago was declared disabled by the SSA and has been receiving disability payments. He is wonder whether he can obtain coverage under Medicare. (Medicare Entitlement Part B) - ✔✔After receiving such disability payments for 24 months, he WILL BE AUTOMATICALLY enrolled in Medicare, regardless of age. DAVIS is 49 years old and has been receiving disability benefits from SSA for 12 months. Can you sell him a MA or Part D Rx policy? (Medicare Entitlement Part B: Medicare Eligibility Part C/D) - ✔✔NO, he can't purchase a MA or Part D policy because he has NOT received SSA or RR disability benefits for 24 months. 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. (Medicare Premiums for Part B) - ✔✔In order to obtain Part B coverage, she must pay a STANDARD MONTHLY premium , though it is HIGHER for individuals with higher income. DIAZ continued working wit his company and was insured under his employer's group plan until he reached 68. He has heard that there is a premium penalty for those who did not sign up for Part B when first eligible and wants to know how much he will have to pay. (Medicare Premiums Part B) - ✔✔Mr. Diaz will not pay any penalty because he had continuous coverage under his employer's plan. PENA 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. (Medicare Premiums for Part B) - ✔✔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. KELLY is entitled to Part A, but is not yet enrolled in Part B. She is considering enrollment in a Medicare health plan. What should you advise her to do before she will be able to enroll into a Medicare health plan? (Medicare Eligibility) - ✔✔In order to joint a Medicare health plan, she also MUST enroll in Part B TOMA has a low, fixed income. What could you tell her that might be of assistance? (help for individuals with Limited Income/Resources) - ✔✔She should contact her state Medicaid agency to see if she qualifies for one of several programs that can help with Medicare costs for which she is responsible. YU has limited income and resources so you have encouraged him to see if he qualifies for some type of financial assistance. Mr. Yu is not sure it is worth the trouble to apply and wants to know what the assistance could do for him if he qualifies. (Limited Income/Resources) - ✔✔He might qualify for help with Part D Rx costs and help paying Part A and/or Part B premiums, deductibles, and/or cost sharing. 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? (Original Medicare covers) - ✔✔Under Original Medicare, there is a single deductible amt. due for the first 60 days of any inpatient hospital stay, after which it converts into a per day amt. through day 90. After day 90, he would pay a daily amt. up to 60 days over his lifetime, after which he would be RESPONSIBLE FOR ALL COSTS. KANOF is covered by Original Medicare. She sustained a hip fracture and is being successfully treated for that condition. However, she and her physicians feel that after her lengthy hospital stay she will need a month or two of nursing and rehabilitative care. What should you tell them about Original Medicare's coverage of care in a skilled nursing facility? (Original Medicare covers) - ✔✔Medicare will covers Mrs. Kanof''s skilled nursing services provided during the first 20 days of her stay, after which she would have a copay until she has been in the facility for 100 days. RAINEY is experiencing paranoid delusions and his physician feels that he should be hospitalized. What should you tell Mr. Rainey (or representative) about the length of an inpatient psychiatric hospital stay that Medicare will cover? (Medicare inpatient services) - ✔✔Medicare will cover a total of 190 days of inpatient psychiatric care during Mr. Rainey's entire lifetime. QUIGLEY has just turned 65 and received a letter informing her that she has been automatically enrolled in Medicare Part B. She wants to understand what this means. (Medicare premiums and deductibles)