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2025 AHIP Final Exam | 2025 AHIP Final Exam, Exams of Psychology

2025 AHIP Final Exam | 2025 AHIP Final Exam

Typology: Exams

2023/2024

Available from 08/02/2024

CarlyBlair
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Download 2025 AHIP Final Exam | 2025 AHIP Final Exam and more Exams Psychology in PDF only on Docsity! 2025 AHIP Final Exam 1. Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is being success- fully 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? Medicare will cover Mrs. Shield's skilled nursing services pro- vided 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. 2. 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? Medicare does not cov- er massage therapy, or, in general, glasses or dentures. 3. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that might be of assistance? She should contact her state Medicaid agency to see if she qualifies for one of several pro- grams that can help with Medicare costs for which she is responsi- ble. 4. 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 premi- um, annual deductible, and per-prescription cost-sharing. 5. 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 cov- erage she has but replace her existing Medigap plan with one that provides drug coverage. What should you tell her? Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her Medigap policy and en- 1 / 27 roll in a Part D prescrip- tion drug plan. 6. 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? He may sign-up for Medicare at any time however coverage usu- ally begins on the fourth month after dial- ysis treatments start. 7. Mrs. Duarte is enrolled in Original Medicare Parts A and B. She has recently reviewed her Medicare Summary Notice (MSN) and disagrees with a determination that partially denied one of her claims for services. What advice would you give her? Mrs. Duarte should file an appeal of this ini- tial determination with- in 120 days of the date she received the MSN in the mail. 8. Mrs. Geisler's neighbor told her she should look at her Part D options during the annual Medicare enrollment period because the features of Part D might have changed. Mrs. Geisler can't remem- ber what Part D is so she called you to ask what her neighbor was talking about. What could you tell her? Part D covers pre- scription drugs and she should look at her premiums, formu- lary, and cost-sharing among other factors to see if they have changed. 9. Mr. Rainey is experiencing paranoid delusions and his physician feels that he should be hos- pitalized. What should you tell Mr. Rainey (or his representative) about the length of an inpatient psychiatric hospital stay that Medicare will cov- er? Medicare will cover a total of 190 days of in- patient psychiatric care during Mr. Rainey's en- tire lifetime. 10. 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? Beneficiaries under Original Medicare have no cost-sharing for most preventive ser- vices. 11. 2 / 27 20. Anita Magri will turn age 65 in August 2023. Anita intends to enroll in Original Medicare Part A and Part B. She would also like to enroll in a Medicare Supplement (Medigap) plan. Anita's older neigh- bor Mel has told her about the Medigap Plan F in which he is enrolled. It not only provides foreign travel emergency benefits but also covers his Medicare Part B deductible. Anita comes to you for advice. What should you tell her? You are sorry to disap- point Anita, but a Medi- gap F plan is no longer available to those who turn age 65 after Jan- uary 1, 2020. Anita might instead consid- er other Medigap plans that offer foreign trav- el benefits but do not cover the Part B de- ductible. 21. Hank's Fish Store, Inc. is a small company with just 15 employees located in Florida. Hank, the store owner, has provided excellent health ben- efits to the store's workforce. William, one of the store's long-time employees, will soon be reach- ing age 65 and eligible for Medicare. William is in good health. He intends to remain an active full-time employee, working several years after becoming eligible for Medicare. What type(s) of retiree health benefit will Hank's Fish Store be able to offer William? Hank's can continue to offer William the same employee health bene- fit plan, or, if William en- rolls in Medicare Part B, it can enroll him in a Medicare Advantage plan that is offered to the public. 22. Mr. Sanchez has just turned 65 and is entitled to Part A but has not enrolled in Part B because he has coverage through an employer plan. If he wants to enroll in a Medicare Advantage plan, what will he have to do? He will have to enroll in Part B. 23. Mrs. Velasquez cares for her frail elderly mother, Maria, who lives in North Carolina. She is wor- ried that without additional support, her mother will need to go into a nursing home. Mrs. Ve- lasquez asks you if there is any Medicare plan that might allow her mother to remain in the com- munity rather than going into a nursing home. How should you advise Mrs. Velasquez? There are Programs of All-Inclusive Care for the Elderly (PACE) for frail elderly beneficia- ries certified as need- ing a nursing home lev- el of care but are able to live safely in the 5 / 27 community at the time of enrolment. 24. Which of the following statement(s) is/are correct about a Medicare Savings Account (MSA) Plans? I. MSAs may have either a partial network, full network, or no network of providers. II. MSA plans cover Part A and Part B benefits but not Part D prescription drug benefits. III. An individual who is enrolled in an MSA plan is responsible for a minimal deductible of $500 indexed for inflation. IV. Non-network providers must accept the same amount that Original Medicare would pay them as payment in full. I, II, and IV only 25. Mrs. Chi is age 75 and enjoys a comfortable but not extremely high-income level. She wish- es to enroll in a MA MSA plan that she heard about from her neighbor. She also wants to have prescription drug coverage since her doc- tor recently prescribed several expensive med- ications. Currently, she is enrolled in Original Medicare and a standalone Part D plan. How would you advise Mrs. Chi? Mrs. Chi may enroll in a MA MSA plan and remain in her current standalone Part D pre- scription drug plan. 26. Mrs. Lyons is in good health, uses a single pre- scription, and lives independently in her own home. She is attracted by the idea of maintaining control over a Medical Savings Account (MSA) but is not sure if the plan associated with the account will fit her needs. What specific piece of information about a Medicare MSA plan would it be important for her to know, prior to enrolling in such a plan? All MSAs cover Part A and Part B bene- fits, but not Part D prescription drug bene- fits, which could be ob- tained by also enrolling in a separate prescrip- tion drug plan. 27. Mrs. Burton is a retiree with substantial income. She is enrolled in an MA-PD plan and was dis- appointed with the service she received from her primary care physician because she was told she She could file a griev- ance with her plan to complain about the lack of timeliness in 6 / 27 would have to wait five weeks to get an appoint- ment when she was feeling ill. She called you to ask what she could do so she would not have to put up with such poor access to care. What could you tell her? getting an appoint- ment. 28. Mrs. Radford asks whether there are any special eligibility requirements for Medicare Advantage. What should you tell her? Mrs. Radford must be entitled to Part A and enrolled in Part B to en- roll in Medicare Advan- tage. 29. Mr. Kelly wants to know whether he is eligible to sign up for a private fee-for-service (PFFS) plan. What questions would you need to ask to determine his eligibility? You would need to ask Mr. Kelly if he is enti- tled to Part A, enrolled in Part B, and if he lives in the PFFS plan's ser- vice area. 30. Mr. Romero is 64, retiring soon, and consider- ing enrollment in his employer-sponsored retiree group health plan that includes drug coverage with nominal copays. He heard about a neigh- bor's MA-PD plan that you represent and be- cause he takes numerous prescription drugs, he is considering signing up for it. What should you tell him? He should compare the benefits in his em- ployer-sponsored re- tiree group health plan with the benefits in his neighbor's MA-PD plan to determine which one will provide sufficient coverage for his pre- scription needs. 31. Ms. Gibson recently lost her employer group health and drug coverage and now she wants to enroll in a PPO that does not include drug cov- erage. What should you tell her about obtaining drug coverage? She can enroll in the PPO, but she will not be able to pur- chase a stand-alone Medicare Part D pre- scription drug plan. 32. Dr. Elizabeth Brennan does not contract with the ABC PFFS plan but accepts the plan's terms and conditions for payment. Mary Rodgers sees Dr. Dr. Brennan can charge Mary Rogers no more than the cost 7 / 27 wants to know whether he might qualify. What should you tell him? nual limits specified by the government. 42. Mrs. Allen has a rare condition for which two different brand name drugs are the only avail- able treatment. She is concerned that since no generic prescription drug is available and these drugs are very high cost, she will not be able to find a Medicare Part D prescription drug plan that covers either one of them. What should you tell her? Medicare prescription drug plans are re- quired to cover drugs in each therapeutic cat- egory. She should be able to enroll in a Medicare prescription drug plan that covers the medications she needs. 43. Mr. Wingate is a newly enrolled Medicare Part D beneficiary and one of your clients. In ad- dition to drugs on his plan's formulary, he takes several other medications. These include a prescription drug not on his plan's formulary, over-the-counter medications for colds and aller- gies, vitamins, and drugs from an Internet-based Canadian pharmacy to promote hair growth and reduce joint swelling. His neighbor recently told him about a concept called TrOOP and he asks you if any of his other medications could count toward TrOOP should he ever reach the Part D catastrophic limit. What should you say. None of the costs of Mr. Wingate's other med- ications would current- ly count toward TrOOP but he may wish to ask his plan for an excep- tion to cover the pre- scription, not on its for- mulary. 44. What types of tools can Medicare Part D pre- scription drug plans use that affect the way their enrollees can access medications? Part D plans do not have to cover all med- ications. As a result, their formularies, or lists of covered drugs, will vary from plan to plan. In addition, they can use cost contain- ment techniques such as tiered co-payments and step therapy. 10 / 27 45. Mrs. Mulcahy, age 65, is concerned that she may not qualify for enrollment in a Medicare prescrip- tion drug plan because, although she is entitled to Part A, she is not enrolled under Medicare Part B. What should you tell her? An individual who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare prescrip- tion drug plan. As long as Mrs. Mulcahy is enti- tled to Part A, she does not need to enroll un- der Part B before en- rolling in a prescription drug plan. 46. Mr. Hutchinson has drug coverage through his former employer's retiree plan. He is concerned about the Part D premium penalty if he does not enroll in a Medicare prescription drug plan, but does not want to purchase extra coverage that he will not need. What should you tell him? If the drug coverage he has is not expect- ed to pay, on aver- age, at least as much as Medicare's standard Part D coverage ex- pects to pay, then he will need to enroll in Medicare Part D during his initial eligibility peri- od to avoid the late en- rollment penalty. 47. Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit, but when he looks at information on various plans available in his area, he sees a wide range in what they charge for deductibles, premiums, and cost sharing. How can you explain this to him? Medicare Part D drug plans may have differ- ent benefit structures, but on average, they must all be at least as good as the standard model established by the government. 48. Who is most likely to benefit from the Medicare Prescription Payment Plan? Kevin, who suffered a heart attack at the be- ginning of the year re- quiring him to take an 11 / 27 expensive brand name blood thinner on a dai- ly, as well as an equal- ly expensive injectable cholesterol medication on a bi-weekly basis for which he incurs high out-of-pocket costs. 49. Mr. Rice is 68, actively working, and has coverage for medical services and medications through his employer's group health plan. He is entitled to premium free Part A and thinking of enrolling in Part B and switching to an MA-PD because he is paying a very large part of his group coverage premium, and it does not provide coverage for a number of his medications. Which of the fol- lowing is NOT a consideration when making the change? Mr. Rice's retiree plan is required to take him back if, within 63 days of having volun- tarily quit the employ- er's plan, he decides that he prefers it to his Medicare Part D plan. 50. Mrs. Roswell is a new Medicare beneficiary who has just retired from retail work. She is interested in selecting a Medicare Part D prescription drug plan. She takes several medications and is con- cerned that she has not been able to identify a plan that covers all of her medications. She does not want to make an abrupt change to new drugs that would be covered and asks what she should do. What should you tell her? Every Part D drug plan is required to cover a single one-month fill of her existing medica- tions sometime during a 90-day transition pe- riod. 51. Mr. Bickford did not quite qualify for the ex- tra help low-income subsidy under the Medicare Part D Prescription Drug program and he is won- dering if there is any other option he has for obtaining help with his considerable drug costs. What should you tell him? He could check with the manufacturers of his medications to see if they offer an as- sistance program to help people with limit- ed means to obtain the medications they need. Alternatively, he could 12 / 27 rolling in a Medicare Part D prescription drug plan (PDP). What should you tell her? 59. Mrs. Hernandez is one of your clients. She has read that there is a new program that may help her manage prescription drug costs. What do you tell her about the Medicare Prescription Payment Plan? Part D enrollees can opt into the Medicare Prescription Payment Plan at the beginning of the plan year or any point during the year. 60. Ms. Edwards is enrolled in a Medicare Advantage plan that includes prescription drug plan (PDP) coverage. She is traveling and wishes to fill two of the prescriptions that she has lost. How would you advise her? She may fill prescrip- tions for covered drugs at non-network phar- macies, but likely at a higher cost than paid at an in-network pharma- cy. 61. During a sales presentation to Ms. Daley for a Medicare Advantage plan that has a 5-star rating in customer service and care coordination, and received an overall plan performance rating of a 4-star, which of the following would be the best statement to say to her? The Medicare Advan- tage plan received a 5-star rating in cus- tomer service and care coordination with an overall performance rating of 4 stars. 62. A Medicare beneficiary has walked into your of- fice and requested that you sit down with her and discuss her options under the Medicare Advan- tage program. Before engaging in such a discus- sion, what should you do? You must have her sign a scope of appointment form, indicating which products she wishes to discuss. You may then proceed with the dis- cussion. 63. While making an appointment to discuss Medicare Advantage (MA) and Part D plans with a potential enrollee, you are asked to describe other types of insurance products that your client might wish to purchase. What additional types of You can present only health care related lines of business but must obtain the bene- ficiary's permission to do so before the pre- 15 / 27 insurance can you present during the MA and Part D marketing appointments? sentation occurs and document that you have obtained that per- mission. 64. One of your colleagues argues that it is better to focus your time and energy exclusively on neigh- borhoods with single-family homes. He further argues that their older owners are more likely to have higher incomes and purchase the Medicare Advantage products you represent compared to those living in apartment complexes. How should you respond? This could be consid- ered discriminatory ac- tivity and a prohibited practice. 65. Agent Jennings makes a presentation on Medicare advertised as an educational event. Agent Jennings distributes materials that are solely educational. However, she gives a brief presentation that mentions plan-specific premi- ums. Is this a prohibited activity at an event that has been advertised as educational? Yes. When an event has been advertised as "educational," dis- cussing plan-specific premiums is impermis- sible. 66. Mr. Prentice has many clients who are Medicare beneficiaries. He should review the Centers for Medicare & Medicaid Services (CMS) Communi- cation and Marketing Guidelines to ensure he is compliant with which type of products. Medicare Advantage (MA) and Prescription Drug (PDP) plans. 67. Next week you will be participating in your first "educational event" for prospective enrollees. To be sure that you do not violate any of the applica- ble guidelines, in what activities should you plan to engage? You should plan to en- sure that the educa- tional event is informa- tive and must not con- duct a sales presenta- tion or distribute or ac- cept enrollment forms at the event. 68. You market many different types of insurance and ordinarily you spend time each evening call- ing potential clients. To comply with require- You will have to avoid calling any potential client unless he or 16 / 27 ments for marketing Medicare Advantage and Part D plans, what must you do about contacting potential clients to market those plansl? she initiates contact with you and specifical- ly asks that you give him or her a call. 69. If you are to comply with Medicare's guidance regarding educational events, which of the fol- lowing would be acceptable activities? You may distribute business cards to in- dividuals who request information on how to contact you for further details on the plan(s) you represent. 70. By contacting plans available in your area, you have learned that the plan you represent has a significantly lower monthly premium than the others. Furthermore, you see that the plan you represent has a unique benefits package. What should you do to make sure your clients know about these pieces of information? You may make comparisons between plans if you can sup- port them with studies or statistical data and such comparisons are factually based and ref- erenced. 71. You have set up an appointment for an in-home sales presentation with Mrs. Fernandez, who ex- pressed interest in the Medicare plans you rep- resent. In preparation for the sales presentation, what must you do? Before conducting the presentation, obtain and document having obtained her permis- sion to visit, along with her interest in the spe- cific products you will present. 72. Winthrop Brokerage wishes to place an adver- tisement in the local newspaper that says: "We offer Medicare Advantage plans offered by AB Health and Top Choice Health. Contact us if you would like to learn more." Which of the following best describes the obligation(s) of Winthrop Bro- kerage regarding the advertisement? Winthrop Brokerage does not need to submit the advertise- ment to CMS for pri- or approval because it does not include information about the plans' benefits struc- tures, cost-sharing, or 17 / 27 residence? I. Edward (enrolled in MA and Part D) moves to a new home within the same neighborhood in his existing plan's service area. II. Fiona (enrolled in MA and Part D) moves cross-country to an area outside her existing plan's service area. III. Gilbert moves into a plan service area where there is now a Part D plan available to him from a service area where no Part D plan was available. IV. Henry makes a permanent move to a new state providing him with new MA and Part D options. 82. 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? Mr. Chen can dis- enroll from his em- ployer-sponsored cov- erage to elect a Medicare Advantage or Part D plan within 2 months of his disenroll- ment. 83. Mr. Liu turns 65 on June 19. He has never previ- ously qualified for Medicare so his first Medicare eligibility date will be June 1. Mr. Liu's ICEP and Part D IEP begin on March 1 and end on Septem- ber 30. He wants prescription drug coverage with his Part A and Part B benefits. What advice can you provide him? He can enroll in a MA-PD as long as he enrolls in Part B and is entitled to Part A. 84. 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? 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 an- other time. 85. 20 / 27 Mr. Anderson is a very organized individual and has filled out and brought to you an enrollment form on October 10 for a new plan available on January 1 next year. He is currently enrolled in Original Medicare. What should you do? Tell Mr. Anderson that you cannot accept any enrollment forms until the annual election pe- riod begins. 86. Mr. Ford enrolled in an MA-only plan in mid-No- vember during the Annual Election Period (AEP). On December 1, he calls you up and says that he has changed his mind and would like to enroll in a MA-PD plan. What enrollment rules would apply in this case? He can make as many enrollment changes as he likes during the Annual Election Peri- od and the last choice made before the end of the period will be the effective one as of Jan- uary 1. 87. Mrs. Pierce would like to enroll in a Medicare Cost plan that offers Part D prescription drug coverage. She comes to you for advice about when she can enroll in a plan you have previously discussed. What should you tell her? Enrollment in Cost plans offering Part D coverage is available only during enrollment periods under the Part D program, and Cost plans must accept en- rollments during these periods. 88. Mr. Rodriguez is currently enrolled in a MA plan, but his plan doesn't sufficiently cover his pre- scription drug needs. He is interested in chang- ing plans during the upcoming MA Open Enroll- ment Period. What are his options during the MA OEP? He can switch to a MA-PD plan. 89. Ms. Lee is enrolled in an MA-PD plan but will be moving out of the plan's service area next month. She is worried that she will not be able to enroll in another plan available in her new residence until the Annual Election Period. What should you tell her? She is eligible for a special election period (SEP) that begins ei- ther the month before her permanent move, if the plan is notified in advance, or the month 21 / 27 she provides notice of the move, and this peri- od typically lasts an ad- ditional two months. 90. Mr. Block is currently enrolled in a Medicare Ad- vantage 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 ad- dition, 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? If Mr. Block enrolls in the stand-alone Medicare prescription drug plan, he will be disenrolled from the Medicare Advan- tage plan. 91. 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? If there is a special needs plan (SNP) in Mr. Wendt's area that specializes in caring for individuals with dia- betes, he may enroll in the SNP at any time un- der a special election period (SEP). 92. Mr. Yoo's employer has recently dropped compre- hensive creditable prescription drug coverage that was offered to company retirees. The com- pany 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? It means that he quali- fies for a one-time op- portunity to enroll in an MA-PD or Part D pre- scription drug plan. 93. Ms. Claggett is sixty-six (66) years old. She has been covered under Original Medicare for the Ms. Claggett has had two IEPs and 22 / 27 to enroll in a Medicare Advantage (MA) plan as soon as possible. What could you tell her? first entitlement to both Medicare Part A and Part B. 98. Which of the following individuals has enrolled in a plan based on a fixed enrollment period? Ben enrolls in a Medicare Advantage plan during the Medicare Advantage Open Enrollment Peri- od (MA OEP). 99. Mrs. Ridgeway enrolled in Original Medicare and Medigap coverage following her retirement sev- eral years ago. Four months ago, Mrs. Ridge- way dropped her Medigap policy to enroll in a Medicare Advantage (MA) plan for the first time. Unfortunately, Mrs. Ridgeway has found that many of her providers are not in the MA plan's network. She has come to you for advice. What should you tell her? She qualifies for a special election period (SEP) that will allow her to make a one-time election to return to Original Medicare and she also has a guar- anteed eligibility period to rejoin her Medigap plan. 100. Mrs. Young is currently enrolled in Original Medicare (Parts A and B), but she has been work- ing with Agent Neil Adams in the selection of a Medicare Advantage (MA) plan. It is mid-Septem- ber, and Mrs. Young is going on vacation. Agent Adams is considering suggesting that he and Mrs. Young complete the application together be- fore she leaves. He will then submit the paper ap- plication before the start of the annual enrollment period (AEP). What would you say If you were advising Agent Adams? This is a bad idea. Agents are generally prohibited from solic- iting or accepting an enrollment form before the start of the AEP. 101. Richard is a licensed agent who represents Spar- tan Health Plan and its Medicare Advantage (MA) plans. Richard has several clients who have re- cently come to him for help who are in their initial coverage election period (ICEP) and are interest- ed in enrolling in one of Spartan Health Plan's MA Alice and Charlotte be- cause each of them currently have health coverage and is in their initial coverage elec- tion period (ICEP). 25 / 27 plans. Alice will soon turn 65 and retire. Alice has coverage through Spartan Health Plan offered by her employer. Bob had health coverage through Spartan but dropped the coverage when he re- tired early to travel overseas. Bob, who has just turned age 65, is now back in the United States. Charlotte, who will turn 65 next month, has cov- erage through Athena Health plan - a company Richard also represents. Who qualifies for the opt-in simplified enrollment mechanism? 102. Alice is enrolled in a MA-PD plan. She makes a permanent move across the country and won- ders what her options are for continuing MA-PD coverage. What would you say to her in regard to a special enrollment period (SEP)? She is likely to qual- ify for a SEP. She can choose an effec- tive date of up to three months after the month in which the enrollment form is received by the new plan, but the ef- fective date may not be earlier than the date of her permanent move. 103. Ms. Morris will turn 65 on June 10th. She has never previously qualified for Medicare. She is entitled to Medicare Part A and intends to enroll in Part B. She wants to know if she is eligible to enroll in a Medicare Advantage plan that includes prescription drug coverage. What do you tell her? Ms. Morris can enroll in an MA-PD plan now since her initial election period (IEP) for Part D prescription drug cov- erage and initial cover- age period are occur- ring together beginning March 1st and ending September 30th. 104. Mr. Lopez, who is fairly well-off financially, would like to enroll in a Medicare prescription drug plan you represent and simply give you a check to cover his premiums for the entire year. What should you tell him? Enrollees should pay using automatic with- drawal from a bank ac- count or credit or deb- it card, direct monthly 26 / 27 billing from the plan, or deductions from their Social Security check. 105. Mrs. Albertson has been enrolled in a Medicare Part D plan for several years. She takes several brand name drugs and is interested in learning about the Medicare Prescription Payment Plan. What should you tell her? Enrollees can opt out of the program at any time. However, they will continue to be billed for any cost-sharing amounts still owed. 27 / 27