Module 5 Final Review

Module 5 Final Review Started on Wednesday, October 2, 2024, 3:39 PM State Finished Completed on Wednesday, October 2, 2024, 4:48 PM Time taken 1 hour 9 mins Points 18.00/20.00 Grade 90.00 out of 100.00 Feedback You have completed this Knowledge Check. To proceed, please return to the training dashboard and select the next available section. Question 1 Correct 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? Question 1Answer a. Accept the form and immediately send it to the plan for processing. b. Tell Mr. Anderson that you cannot accept any enrollment forms until the annual election period begins. Correct. You cannot accept the enrollment at this juncture. October 10th is before the start of the Annual Election Period (AEP), which begins October 15th and ends December 7th. Marketing representatives may not accept enrollment forms before October 15th for enrollment under the AEP. c. Accept the form and wait until the Annual Election Period begins to send it to the plan for processing. d. Tell Mr. Anderson that you cannot accept an enrollment form for coverage to begin on January 1 of next year before December 15. Source: Part 5, Slide -Enrollment Periods - Annual Election Period, Timeframe for Submitting Enrollment Forms Question 2 Correct Mr. Garcia was told he qualifies for a special election period (SEP), but he lost the paper that explains what he could do during the SEP. What can you tell him? Question 2Answer a. If the SEP is for MA coverage, he may only use the SEP to disenroll from his MA plan and return to Original Medicare. b. If the SEP is for Part D coverage, he may only drop, but not add or change, his Part D coverage one time before the SEP expires. c. If the SEP is for MA coverage, he may make as many changes to his MA enrollment as he wants and the last choice made before the end of the SEP period will be the effective one. d. If the SEP is for MA coverage, he will generally have one opportunity to change his MA coverage. Correct: Under a Medicare Advantage (MA) SEP, beneficiaries generally have one opportunity to change their MA coverage. Beneficiaries also have the opportunity to return to Original Medicare. Source: Part 5, Election Periods - SEPs, Limitations Question 3 Correct Ms. Thomas has worked for many years and is turning 68 in June. She is eligible for Medicare Part A and did not enroll for Part B when first eligible because she has insurance through her employer – Coffee Brew, Inc. She also did not enroll in Part D because she had creditable coverage. She would like to retire in June and enroll in a Medicare Advantage plan. She has been informed that her group coverage will end on her retirement effective date. How would you advise Ms. Thomas? Question 3Answer a. Ms. Thomas should enroll in Part B, which would enable her to use the SEP for individuals changing from employer group coverage to enroll in a MA plan or MA-PD. The SEP will last until 3 months after the month her employer coverage ends. b. Ms. Thomas can enroll in Part B without a late penalty at any time she is still covered by her employer group and 8 months after her last month of employer group coverage without a penalty. However, because she wants to enroll in a MA plan after retirement, she should make sure her Part B coverage is effective in time to use the Medicare Advantage/Part D special election period for individuals changing from employer group coverage to enroll in a MA plan or MA-PD. The SEP begins while she has employer group coverage and will last until 2 months after the month after the month her employer coverage ends. If she wants Part D coverage she should enroll in an MA-PD or a PDP (depending on how she decides to receive her Part A and B benefits) during this time. Correct: To enroll in a MA or MA-PD plan, Ms. Thomas must be not only eligible for Part A but also enrolled in Part B. This will allow her to review her options and select coverage comparable to employer group coverage. Those disenrolling from employer-sponsored coverage to elect a MA or MA-PD plan have a SEP that ends 2 months after the employer-sponsored coverage ends in June. c. Ms. Thomas should enroll in Part D to obtain prescription drug coverage under a PDP. It will not be necessary for Ms. Thomas to enroll in Part B since it offers drug coverage that duplicates most PDP plans. d. Ms. Thomas should request continued COBRA coverage under her employer group plan. This coverage will last 18 months and provide her with time to select either a MA plan or MA-PD plan when her COBRA coverage ends. The SEP will last 6 months after the month the COBRA coverage ends. Source: Module 5, Slide - Typical SEPs Employer/Union Group Coverage Change Question 4 Correct Which of the following individuals are likely to qualify for a special election period (SEP) for either a MA and/or Part D due to a change of 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. Question 4Answer a. II, III, and IV only. Correct. Edward is not likely to qualify for either a MA or Part D SEP because he has moved within his existing plan’s service area. Fiona is likely to qualify for both a MA and Part D SEP due to her move across country outside her current plan’s service area. Gilbert is likely to qualify for a Part D SEP because he has gained the opportunity to enroll in Part D prescription drug coverage. Henry also is likely to qualify for both a MA and Part D SEP since he has moved to a new state which is likely to be outside his current plan’s service area. b. I, II, III and IV. c. I and II only. d. II and III only. Source: Part 5, Slide -Typical SEPs – Change in Residence. Question 5 Correct Mr. Block is currently enrolled in a Medicare Advantage plan that includes drug coverage. He found a standalone 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? Question 5Answer a. If Mr. Block wants to enroll in both a MA-PD and a stand-alone PDP, he may buy the extra coverage without any adverse effect. b. If Mr. Block enrolls in a stand-alone Medicare prescription drug plan, he can request that his Medicare Advantage plan remove the drug benefit from the package they offer and reduce his premium accordingly. c. Mr. Block will have to wait until the annual election period, beginning October 15, and then he can add the stand-alone coverage to the MA-PD. d. If Mr. Block enrolls in the stand-alone Medicare prescription drug plan, he will be disenrolled from the Medicare Advantage plan. Correct: When an applicant enrolls in an MA plan, they acknowledge that they understand enrollment in another MA plan, PDP, or MA-PD automatically disenrolls them from their current plan. If Mr. Block enrolls in a standalone PDP, he will be disenrolled from his current MA plan. Source: Part 5, Slide – Beneficiary Acknowledgements when Enrolling [Pg. 25]. Question 6 Incorrect Mr. Ford enrolled in an MA-only plan in mid-November 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? Question 6Answer a. He must return to Original Medicare but must then enroll in a Part D plan if he wants prescription drug coverage through Medicare. b. He can make as many enrollment changes as he likes during the Annual Election Period and the last choice made before the end of the period will be the effective one as of January 1. c. He can only make a single enrollment change during the Annual Election Period, so he will not be able to change his enrollment. Incorrect. Medicare beneficiaries are not limited to a single enrollment change during the annual election period (AEP). Beneficiaries may make more than one enrollment choice during the AEP, but the last one made before the end of the AEP, as determined by the date the plan or marketing representative receives the completed enrollment form, will be the election that takes effect. d. He should wait for at least six months into the plan year to be sure that he wants to make the change. If he still wants to do so, he can make any sort of change he likes at that point. Source: Part 5, Slide -Election Periods: Annual Election Period – Overview Question 7 Correct 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? Question 7Answer a. She is eligible for a special election period (SEP) that begins either the month before her permanent move, if the plan is notified in advance, or the month she provides notice of the move, and this period typically lasts an additional two months. Correct. Ms. Lee’s move is a change in residence, which makes her eligible for a special election period (SEP) that begins either the month before the move if she gives her plan advanced notice, or the month she provides notice of the move. The SEP continues for two months either after it begins or the month of the move, whichever is later. b. She will be able to enroll in a new plan because she qualifies for a special election period that begins 30 days after a plan’s written communications are returned by the United States Postal Service with a notification that the resident has moved. So, she should be sure to notify the Postal Service immediately. c. She will have to wait until the next Annual Election Period to be able to enroll in a plan available in her new location. d. She may continue to keep her existing plan, because all Medicare health plans are required to provide coverage to anyone, no matter where they live. Source: Part 5, Slide – Typical SEPs – Change in Residence Question 8 Correct Mrs. Ridgeway enrolled in Original Medicare and Medigap coverage following her retirement several years ago. Four months ago, Mrs. Ridgeway 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? Question 8Answer a. She must wait until the next Annual Election Period (AEP) during which she may select another MA plan. b. She qualifies for a special election period (SEP) that will allow her to make a one-time election to return to Original Medicare, but she may or may not qualify to rejoin her Medigap plan based on medical underwriting. c. 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 guaranteed eligibility period to rejoin her Medigap plan. Correct: Individuals who drop their Medigap policy to enroll in a MA plan for the first time are eligible for a Special election period to return to Original Medicare. This SEP also provides them with guaranteed eligibility to rejoin a Medigap plan. d. She must wait until the next MA Open Enrollment Period (OEP) during which she can elect to return to Original Medicare. Source: Part 5, Slide – Other Common SEPs (Medigap SEP) Question 9 Correct Mr. Liu turns 65 on June 19. He has never previously 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 September 30. He wants prescription drug coverage with his Part A and Part B benefits. What advice can you provide him? Question 9Answer a. He can enroll in a MA-PD as long as he enrolls in Part B and is entitled to Part A. Correct: As long as he enrolls in Part B and is entitled to Part A, he may enroll in a MA-PD. b. He can enroll in a MA plan now, but he will have to wait until the next Annual Election Period to obtain prescription drug coverage. c. Since this is his first time qualifying for Medicare, he will have to enroll in Original Medicare with a Part D plan this year and change his enrollment to a MA-PD plan next year. d. He must wait until the next Annual Election Period to enroll in a MA-PD plan. Source: Module 5, Slide – Election Periods – Part D Initial Enrollment Period (IEP), slide – MA and Part D Enrollment/Election Periods – Brief Summary, and Slide - Election Periods – MA Initial Coverage Election Period (ICEP) Question 10 Incorrect Mrs. Kendrick is in good health, has worked for many years, and is six months away from turning 65. She wants to know what she will have to do to enroll in a Medicare Advantage (MA) plan as soon as possible. What could you tell her? Question 10Answer a. She must have previously been enrolled in Original Fee-for-Service Medicare for at least one year before she may enroll in an MA plan. b. MA plans are only available to those who have been enrolled in a Medigap plan for at least six months. Therefore, before enrolling in an MA plan, she must first use a Medigap plan to supplement her Original Medicare coverage. c. She may enroll in an MA plan beginning three months immediately before her first entitlement to both Medicare Part A and Part B. d. She must first enroll in a Medicare Part D plan, before enrolling in a Medicare Advantage plan. Incorrect. An individual is not required to enroll in Part D as a prerequisite to enrolling in Medicare Advantage (MA). She could enroll in a Medicare Advantage plan that includes Part D coverage once eligible. Mrs. Kendrick will soon enter her MA Initial Coverage Election Period (ICEP), which begins three months immediately before the individual’s first entitlement to both Medicare Part A and Part B. Mrs. Kendrick will become eligible for Part A and Part B upon turning age 65. Therefore, she may enroll in a MA plan three months before her 65th birthday. Source: Part 5,Slide - Election Periods - MA Initial Coverage Election Period (ICEP). Question 11 Correct 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? Question 11Answer a. If there is a special needs plan (SNP) in Mr. Wendt’s area that specializes in caring for individuals with diabetes, he may enroll in the SNP at any time under a special election period (SEP). Correct. 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. The SEP lasts as long as the individual has the qualifying condition and ends once the individual enrolls in a C-SNP. b. If there is a special needs plan (SNP) in Mr. Wendt’s area that specializes in caring for individuals with diabetes, he may enroll in the SNP during the MA Open Enrollment Period which takes place between January 1 and March 31. c. Mr. Wendt must wait until the next annual open enrollment period (AEP) before he can enroll in a special needs plan (SNP). d. Because of the severity of his condition, Mr. Wendt must remain enrolled in Original Medicare and also enroll in a Medigap plan to supplement his additional medical needs. Source: Part 5, Slide – Other Common SEPs (Severe or Disabling Chronic Conditions) (p.14) Question 12 Correct Mr. Rodriguez is currently enrolled in a MA plan, but his plan doesn’t sufficiently cover his prescription drug needs. He is interested in changing plans during the upcoming MA Open Enrollment Period. What are his options during the MA OEP? Question 12Answer a. He can change to Original Medicare with a PDP. But if he later finds a better MA-PD plan he likes, he can switch to that as long as the change is before the end of the MA OEP. b. He can only switch to another MA plan. c. He can switch to a MA-PD plan. Correct: During the MA OEP, a MA-only enrollee may switch to a MA-PD plan. d. He can only switch to Original Medicare with a PDP. Source: Part 5, Slide – Election Periods – MA Open Enrollment Period (MA OEP); Slide - Election Periods – MA OEP Question 13 Correct Ms. Claggett is sixty-six (66) years old. She has been covered under Original Medicare for the last six years due to her disability and has never been enrolled in a Medicare Advantage or a Part D plan before. She wants to enroll in a Part D plan. She knows that there is such a thing as the “Part D Initial Enrollment Period” (IEP) and has concluded that, since she has never enrolled in such a plan before, she should be eligible to enroll under this period. What should you tell her about how the Part D Initial Enrollment Period applies to her situation? Question 13Answer a. Ms. Claggett has had two IEPs and missed them both. The first occurred three months before and three months after the month when she was first entitled to Part A OR enrolled in Part B. Because she was eligible for Medicare before age 65, Ms. Claggett had a second IEP based on turning age 65, which has also expired. Correct: The Part D IEP begins three months before the month an individual meets the eligibility requirements for Part B and ends three months after the month of eligibility. Individuals eligible for Medicare before age 65 due to disability have a second IEP when attaining age 65. Mrs. Claggett is now 66 years old, and her Part D IEP based on attaining age 65 has now expired so she will not be able to use it to enroll in Part D. b. The Part D Initial Enrollment Period occurs only when a beneficiary turns 62 so it cannot be used as the justification for allowing her to enroll at this point. c. It occurs from October 15 to December 7 of each year, so she will have to wait until that point to utilize that particular enrollment period. d. It occurs from January 1 to February 14 of each year, so she will have to wait until that point to utilize that particular enrollment period. Source: Part 5, Slide – Election Periods - Part D Initial Enrollment Period (IEP). See also, Part 1, -Medicare Enrollment - Parts A and B (automatic enrollment for disabled) Question 14 Correct 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? Question 14Answer a. Mr. Chen can disenroll from his employer-sponsored coverage to elect a Medicare Advantage or Part D plan, but he must wait until the next Annual Election Period. b. Mr. Chen can disenroll from his employer-sponsored coverage to elect a Medicare Advantage or Part D plan within 2 months of his disenrollment. Correct: Individuals disenrolling from employer-sponsored coverage to elect an MA plan have a SEP that ends 2 months after the month the employer-sponsored coverage ends. c. Mr. Chen must convert his current coverage to employer-sponsored retiree coverage and wait one year before enrolling in a MA or Part D plan. d. Mr. Chen can disenroll from the employer-sponsored plan and his only option is to choose a Medigap plan. Source: Part 5, Slide – Typical SEPs – Employer/Union Group Coverage Change Question 15 Correct 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? Question 15Answer a. It means that he qualifies for a one-time opportunity to enroll in an MA-PD or Part D prescription drug plan. Correct. Beneficiaries eligible for Part D who involuntarily lose creditable prescription drug coverage have a special election period (SEP) allowing them to enroll in a prescription drug plan or MA-PD plan. During the SEP, he has one opportunity to drop, add, or change his Part D coverage. b. It means that he will have a one time opportunity to enroll in a Medigap policy with drug coverage. c. It means that he will be able to purchase continued drug coverage from the insurer that had provided it to the company retirees, but that he will not have to pay the entire premium himself. d. It means that he will be able to enroll in a state-funded pharmacy assistance program for retirees that will cover 80 percent of his drug costs. Source: Part 5, Election Periods – SEPs, continued (Involuntary loss of creditable coverage), Slide – Election Periods – SEP, Limitations and Slide – Typical SEPs – Employer/ Union Coverage Change. Question 16 Correct 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? Question 16Answer a. This is a good idea. The plan will retain Mrs. Young’s application and process it when the AEP begins. b. This is a good idea. This locks Mrs. Young into a plan and protects Agent Adams’ commission. c. This is a bad idea. Agents are generally prohibited from soliciting or accepting an enrollment form before the start of the AEP. Correct: Marketing representatives may not accept enrollment forms before October 15 for enrollments under the Annual Election Period.. d. This is a bad idea. Mrs. Young should complete an online application now so that Agent Adams will be given immediate credit for his work once the AEP begins. Source: Part 5, Slide - Election Periods – Annual Election Period – Overview and Slide – Enrollment Periods Annual Election Period, Timeframe for Submitting Enrollment Forms Question 17 Correct 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? Question 17Answer a. You should sign the form for Mrs. Nunez yourself, since she informed you, as the plan’s representative, that she wanted to enroll. b. Legal spouses can sign enrollment forms for one another under federal law. You may enroll both Mr. and Mrs. Nunez, as long as her husband signs on her behalf. c. 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. Correct: A Medicare beneficiary is generally the only individual who may execute a valid request for enrollment in an MA plan. CMS will allow a legal representative or another individual to execute an enrollment request on behalf of the beneficiary if authorized under state law. Depending on state law, this may include court appointed legal guardians, and individuals with a durable power of attorney for health care decisions. A spouse does not automatically fall into these sanctioned categories. d. You can countersign Mrs. Nunez’s application, along with her husband, indicating that she approved this choice verbally. This witness signature is sufficient to make the enrollment valid. Source: Part 5, Slide – Who May Complete the Enrollment Question 18 Correct Which of the following individuals has enrolled in a plan based on a fixed enrollment period? Question 18Answer a. Ben enrolls in a Medicare Advantage plan during the Medicare Advantage Open Enrollment Period (MA OEP). Correct: The Medicare Advantage Open Enrollment Period (MA OEP) is a fixed annual enrollment period that occurs annually between January 1 through March 31. b. Jorge enrolls in a Medicare Advantage plan during a special election period after special circumstances arose. c. Lucy enrolls in a Medicare Advantage plan after moving into a skilled nursing facility institution. d. Josephine enrolls in Original Medicare when she first becomes eligible for Medicare. Source: Part 5, Roadmap to Election Periods and Slide -Election Periods-MA Open Enrollment Period (MA OEP) Question 19 Correct 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? Question 19Answer a. Enrollment in Cost plans offering Part D coverage is generally available only 30 days per year, because of the more generous benefits of these plans. b. Enrollment in Cost plans offering Part D coverage is available only during enrollment periods under the Part D program, and Cost plans must accept enrollments during these periods. Correct. Cost plans offering Part D coverage may only make this benefit available during the enrollment periods available under the Part D program, and they are required to accept Part D enrollments during these periods. c. Enrollment in Cost plans offering Part D coverage is generally available year-round, so she can immediately enroll and have prescription drug coverage. d. Enrollment in Cost plans offering Part D prescription drug coverage is not necessary because Cost plans offer more generous Part B benefits. Source: Part 5, Slide - Cost Plan Enrollment Periods [Pg.17] Question 20 Correct 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? Question 20Answer a. It is a period when only Medicare beneficiaries who have moved out of the area and are dually eligible for Medicaid may add, drop, or change their prescription drug coverage. b. It is a period when beneficiaries who are newly eligible for Medicare may make their first choice of a Medicare prescription drug plan. c. It is a single period from January 1 – March 31, created by statute, when any Medicare beneficiary who has moved out of the area of their Medicare Advantage or Part D plan can add, drop, or change their Medicare prescription drug coverage. d. It is 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. Correct. MA eligible and Part D eligible beneficiaries who experience certain qualifying events, such as a change in residence, are provided a special period to change their election, known as a special election period or “SEP.” Source: Part 5, Slide – Enrollment Periods – SEPs and slide – Typical SEPs – Change in Residence