AHIP EXAM SCRIPT VERIFIED QUESTIONS
WITH COMPLETE SOLUTION REVIEW
●● Mr. Bickford did not quite qualify for the extra help low-income
subsidy under the Medicare Part D Prescription Drug program and he is
wondering if there is any other option he has for obtaining help with his
considerable drug costs. What should you tell him?
Answer: He could check with the manufacturers of his medications to
see if they offer an assistance program to help people with limited means
obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with
his expenses.
●● Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan
that you represent. It is one of three plans operated by the same
organization in Mr. Lombardi's area. The MA PPO plan does not include
drug coverage, but the other two plans do. Mr. Lombardi likes the PPO
plan that does not include drug coverage and intends to obtain his drug
coverage through a stand-alone Medicare prescription drug plan. What
should you tell him about this situation?
Answer: He could enroll in one of the MA plans that include
prescription drug coverage or a Medigap plan and a stand-alone
prescription drug plan, but he cannot enroll in the MA-only PPO plan
and a stand-alone prescription drug plan.
,●● Mr. Torres has a small savings account. He would like to pay for his
monthly Part D premiums with an automatic monthly withdrawal from
his savings account until it is exhausted, and then have his premiums
withheld from his Social Security check. What should you tell him?
Answer: In general, he must select a single Part D premium payment
mechanism that will be used throughout the year.
●● Agent Jennings makes a presentation on Medicare advertised as an
educational event. Agent Jennings distributes materials that are solely
educational in nature. However, she gives a brief presentation that
mentions plan-specific premiums. Is this a prohibited activity at an event
that has been advertised as educational?
Answer: Yes. When an event has been advertised as "educational,"
discussing plan-specific premiums is impermissible.
●● Mrs. Mulcahy is concerned that she may not qualify for enrollment
in a Medicare prescription drug plan because, although she is entitled to
Part A, she is not enrolled under Medicare Part B. What should you tell
her?
Answer: Everyone who is entitled to Part A or enrolled under Part B is
eligible to enroll in a Medicare prescription drug plan. As long as Mrs.
Mulcahy is entitled to Part A, she does not need to enroll under Part B
before enrolling in a prescription drug plan.
●● 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?
Answer: Medicare Part D drug plans may have different benefit
structures, but on average, they must all be at least as good as the
standard model established by the government.
●● Ms. Moore plans to retire when she turns 65 in a few months. She is
in excellent health and will have considerable income when she retires.
She is concerned that her income will make it impossible for her to
qualify for Medicare. What could you tell her to address her concern?
Answer: Medicare is a program for people age 65 or older and those
under age 65 with certain disabilities, end stage renal disease or Lou
Gehrig's disease, so she will be eligible for Medicare.
●● Agent Armstrong is employed by XYZ Agency, which is under
contract with ABC Health Plan, a Medicare Advantage (MA) plan that
offers plans in multiple states. XYZ Agency maintains a website
marketing the MA plans with which it has contracts. Agent Armstrong
follows up with individuals who request more information about ABC
MA plans via the website and tries to persuade them to enroll in ABC
plans. What statement best describes the marketing and compliance rules
that apply to Agent Armstrong?
Answer: Agent Armstrong needs to be licensed and appointed in every
state in which beneficiaries to whom he markets ABC MA plans are
located.
WITH COMPLETE SOLUTION REVIEW
●● Mr. Bickford did not quite qualify for the extra help low-income
subsidy under the Medicare Part D Prescription Drug program and he is
wondering if there is any other option he has for obtaining help with his
considerable drug costs. What should you tell him?
Answer: He could check with the manufacturers of his medications to
see if they offer an assistance program to help people with limited means
obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with
his expenses.
●● Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan
that you represent. It is one of three plans operated by the same
organization in Mr. Lombardi's area. The MA PPO plan does not include
drug coverage, but the other two plans do. Mr. Lombardi likes the PPO
plan that does not include drug coverage and intends to obtain his drug
coverage through a stand-alone Medicare prescription drug plan. What
should you tell him about this situation?
Answer: He could enroll in one of the MA plans that include
prescription drug coverage or a Medigap plan and a stand-alone
prescription drug plan, but he cannot enroll in the MA-only PPO plan
and a stand-alone prescription drug plan.
,●● Mr. Torres has a small savings account. He would like to pay for his
monthly Part D premiums with an automatic monthly withdrawal from
his savings account until it is exhausted, and then have his premiums
withheld from his Social Security check. What should you tell him?
Answer: In general, he must select a single Part D premium payment
mechanism that will be used throughout the year.
●● Agent Jennings makes a presentation on Medicare advertised as an
educational event. Agent Jennings distributes materials that are solely
educational in nature. However, she gives a brief presentation that
mentions plan-specific premiums. Is this a prohibited activity at an event
that has been advertised as educational?
Answer: Yes. When an event has been advertised as "educational,"
discussing plan-specific premiums is impermissible.
●● Mrs. Mulcahy is concerned that she may not qualify for enrollment
in a Medicare prescription drug plan because, although she is entitled to
Part A, she is not enrolled under Medicare Part B. What should you tell
her?
Answer: Everyone who is entitled to Part A or enrolled under Part B is
eligible to enroll in a Medicare prescription drug plan. As long as Mrs.
Mulcahy is entitled to Part A, she does not need to enroll under Part B
before enrolling in a prescription drug plan.
●● 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?
Answer: Medicare Part D drug plans may have different benefit
structures, but on average, they must all be at least as good as the
standard model established by the government.
●● Ms. Moore plans to retire when she turns 65 in a few months. She is
in excellent health and will have considerable income when she retires.
She is concerned that her income will make it impossible for her to
qualify for Medicare. What could you tell her to address her concern?
Answer: Medicare is a program for people age 65 or older and those
under age 65 with certain disabilities, end stage renal disease or Lou
Gehrig's disease, so she will be eligible for Medicare.
●● Agent Armstrong is employed by XYZ Agency, which is under
contract with ABC Health Plan, a Medicare Advantage (MA) plan that
offers plans in multiple states. XYZ Agency maintains a website
marketing the MA plans with which it has contracts. Agent Armstrong
follows up with individuals who request more information about ABC
MA plans via the website and tries to persuade them to enroll in ABC
plans. What statement best describes the marketing and compliance rules
that apply to Agent Armstrong?
Answer: Agent Armstrong needs to be licensed and appointed in every
state in which beneficiaries to whom he markets ABC MA plans are
located.
