1. Edward IP suffered from serious kidney disease. As a result. Edward be-

• Edward IP suffered from serious kidney disease. As a result. Edward be-

came eligible for Medicare coverage due to end-stage renal disease (ESRD).A close relative donated their kidney and Edward successfully underwent transplant surgery 12 months ago. Edward is now age 50 and asks you if his Medicare coverage will continue, what should you say ANS Individuals eligible forMedicare based on ESRD generally lose eligibility 36 months after the month in which the individual receives a kidney transplant unless they are eligible for Medicareon another basis such as age or disability. Edward may, however, remain enrolled inPart B but solely for coverage of immunosuppressive drugs if he has no other healthcare coverage that would cover the drugs.

• Mildred Savage enrolled in Allcare Medicare Advantage plan several years

ago. Mildred recently learned that she is suffering from inoperable cancer and has just a few months to live. She would like to spend these final months in hospice care. Mildred's family asks you whether hospice benefits will be paid for under the Allcare Medicare Advantage plan. What should you say ANS Mildredmay remain enrolled in Allcare and make a hospice election. Hospice benefits will be paid for by Original Medicare under Part A and Allcare will continue

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to pay for any non-hospice services.

• Mr. Diaz continued working with his company and was insured under his

employer's group plan until he reached age 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. What should you tell him ANS Mr. Diaz will not pay any penalty because he had continuous coverage under his employer's plan.

• Mr. Moy's wife has a Medicare Advantage plan, but he wants to under-

stand what coverage Medicare Supplemental Insurance provides since his health care needs are different from his wife's needs. What could you tell Mr.Moy ANS Medicare Supplemental Insurance would help cover his Part A and Part B deductibles or coinsurance in Original Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare does not cover.

• Mrs. 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 United States. What should you tell her ANS Most individuals who are citizens and age 65 or over are covered under Par A by virtue of having paid Medicare taxes while working, though some may be covered as a result of paying monthly premiums.

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• Mr. Bauer is 49 years old, but eighteen months ago he was declared dis-

abled by the Social Security Administration and has been receiving disability

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