AHIP - 2026 - MODULES 1-5 LATEST ACTUAL EXAM 135 QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+

AHIP - 2026 - MODULES 1-5 LATEST
ACTUAL EXAM 135 QUESTIONS WITH
CORRECT ANSWERS 100% VERIFIED
GRADED A+
Mr.mCapadonamwouldmlikemtompurchasemamMedicaremAdvantagem(MA)mplanmandmamMedigapmplanmt
ompickmupmcostsmnotmcoveredmbymthatmplan.mWhatmshouldmyoumtellmhim?m-
mCORRECTmANSWERSmItmismillegalmformyoumtomsellmMr.mCapadonamamMedigapmplanmifmhemismenrolled


minmanmMAmplan,mandmbesides,mMedigapmonlymworksmwithmOriginalmMedicare.




AgentmJohnmMillermismmeetingmwithmJerrymSmith,mamnewmprospect.mJerrymismcurrentlymenrolledminm
MedicaremPartsmAmandmB.mJerrymhasmalsompurchasedmamMedicaremSupplementm(Medigap)mplanmw
hichmhemhasmhadmformseveralmyears.mHowever,mthemplanmdoesmnotmprovidemdrugmbenefits.mHowmw
ouldmyoumadvisemAgentmJohnmMillermtomproceed?m-
mCORRECTmANSWERSmTellmprospectmJerrymSmithmthatmhemshouldmconsidermaddingmamstandalonemP


artmDmprescriptionmdrugmcoveragempolicymtomhismpresentmcoverage.



Mr.mWumismeligiblemformMedicare.mHemhasmlimitedmfinancialmresourcesmbutmfailedmtomqualifymformth
emPartmDmlow-
incomemsubsidy.mWheremmightmhemturnmformhelpmwithmhismprescriptionmdrugmcosts?m-
mCORRECTmANSWERSmMr.mWummaymstillmqualifymformhelpminmpayingmPartmDmcostsmthroughmhismStat


emPharmaceuticalmAssistancemProgramm(SPAP).



Mr.mVasquezmisminmgoodmhealthmandmismpreparingmambudgetminmanticipationmofmhismretirementmwh
enmhemturnsm66.mHemwantsmtomunderstandmthemhealthmcaremcostsmhemmightmbemexposedmtomunder
mMedicaremifmhemweremtomrequiremhospitalizationmbecausemofmanmillness.mInmgeneralmterms,mwhatm


couldmyoumtellmhimmaboutmhismcostsmforminpatientmhospitalmservicesmundermOriginalmMedicare?m-
mCORRECTmANSWERSmUndermOriginalmMedicare,mtheremismamsinglemdeductiblemamountmduemformth


emfirstm60mdaysmofmanyminpatientmhospitalmstay,maftermwhichmitmconvertsmintomamper-
daymcoinsurancemamountmthroughmdaym90.mAftermdaym90,mhemwouldmpaymamdailymamountmupmtom6
0mdaysmovermhismlifetime,maftermwhichmhemwouldmbemresponsiblemformallmcosts.

,Mr.mMoymwillmsoonmturnmagem65.mHemismslightlymyoungermthanmhismwife.mMr.mMoy'smwifemhasmamMe
dicaremAdvantagemplan,mbutmhemwantsmtomunderstandmwhatmcoveragemMedicaremSupplementalmI
nsurancemprovidesmsincemhismhealthmcaremneedsmaremdifferentmfrommhismwife'smneeds.mWhatmcoul
dmyoumtellmMr.mMoy?m-
mCORRECTmANSWERSmMedicaremSupplementalmInsurancemwouldmhelpmcovermhismPartmAmdeductibl


emandmPartmBmcoinsurancemormcopaymentsminmOriginalmFee-for-
Servicem(FFS)mMedicaremasmwellmasmpossiblymsomemservicesmthatmMedicaremdoesmnotmcover.



JuanmPerez,mwhomismturningmagem65mnextmmonth,mintendsmtomworkmformseveralmmoremyearsmatmSm
allcap,mIncorporated.mSmallcapmhasmamworkforcemofm15memployeesmandmoffersmemployer-
sponsoredmhealthcaremcoverage.mJuanmismamnaturalizedmcitizenmandmhasmcontributedmtomthemMedi
caremsystemmformoverm20myears.mJuanmasksmyoumifmhemwillmbementitledmtomMedicaremandmifmhemenr
ollsmhowmthatmwillmimpactmhismemployer-
msponsoredmhealthcaremcoverage.mHowmwouldmyoumrespond?m-


mCORRECTmANSWERSmJuanmismlikelymtombemeligiblemformMedicaremoncemhemturnsmagem65mandmifmhe


menrolls,mMedicaremwouldmbecomemthemprimarympayormofmhismhealthcaremclaimsmandmSmallcapmd


oesmnotmhavemtomcontinuemtomoffermhimmcoveragemcomparablemtomthosemundermagem65mundermitsm
employer-
sponsoredmgroupmhealthmplan.mJuanmismlikelymtombemeligiblemformMedicaremoncemhemturnsmagem65m
andmifmhemenrolls,mMedicaremwouldmbecomemthemprimarympayormofmhismhealthcaremclaimsmbutmS
mallcapmmustmcontinuemtomoffermhimmcoveragemundermitsmemployer-
sponsoredmgroupmhealthmplanmandmwouldmbecomemamsecondarympayor.



Ms.mKumarmplansmtomretiremwhenmshemturnsm65minmamfewmmonths.mShemisminmexcellentmhealthmand
mwillmhavemconsiderablemincomemwhenmshemretires.mShemismconcernedmthatmhermincomemwillmmak


emitmimpossiblemformhermtomqualifymformMedicare.mWhatmcouldmyoumtellmhermtomaddressmhermconce
rn?m-
mCORRECTmANSWERSmMedicaremismamprogrammformpeoplemagem65mormoldermandmthosemundermagem


65mwithmcertainmdisabilities,mend-
stagemrenalmdisease,mandmLoumGehrig'smdiseasemsomshemwillmbemeligiblemformMedicare.



Mrs.mEllismrecentlymturnedm66mandmdecidedmaftermmanymyearsmofmworkmtomretiremandmbeginmreceiv
ingmSocialmSecuritymbenefits.mShortlymthereaftermMrs.mEllismreceivedmamletterminformingmhermthatms
hemhadmbeenmautomaticallymenrolledminmMedicaremPartmB.mShemwantsmtomunderstandmwhatmthism
means.mWhatmshouldmyoumtellmMrs.mEllis?m-

, mCORRECTmANSWERSmPartmBmprimarilymcoversmphysicianmservices.mShemwillmbempayingmammonthlym
premiummand,mexceptmformmanympreventivemandmscreeningmtests,mgenerallymwillmhavem20%mco-
paymentsmformthesemservices,minmadditionmtomanmannualmdeductible.



Mr.mSinghmwouldmlikemdrugmcoveragembutmdoesmnotmwantmtombemenrolledminmamMedicaremAdvanta
gemplan.mWhatmshouldmyoumtellmhim?m-mCORRECTmANSWERSmMr.mSinghmcanmenrollminmamstand-
alonemprescriptionmdrugmplanmandmcontinuemtombemcoveredmformPartmAmandmPartmBmservicesmthrou
ghmOriginalmFee-for-ServicemMedicare.



Mrs.mCookmismanmelderlymretiree.mMrs.mCookmhasmamlowmfixedmincome.mWhatmcouldmyoumtellmMrs.m
Cookmthatmmightmbemofmassistance?m-
mCORRECTmANSWERSmShemshouldmcontactmhermstatemMedicaidmagencymtomseemifmshemqualifiesmfor


monemofmseveralmprogramsmthatmcanmhelpmwithmMedicaremcostsmformwhichmshemismresponsible.




Ms.mHendersonmbelievesmthatmshemwillmqualifymformMedicaremCoveragemwhenmshemturnsm65,mwith
outmpayingmanympremiums,mbecausemshemhasmbeenmworkingmform40myearsmandmpayingmMedicaremt
axes.mWhatmshouldmyoumtellmher?m-
mCORRECTmANSWERSmTomobtainmPartmBmcoverage,mshemmustmpaymamstandardmmonthlympremium,m


thoughmitmismhighermformindividualsmwithmhighermincomes.



Mr.mBauermism49myearsmold,mbutmeighteenmmonthsmagomhemwasmdeclaredmdisabledmbymthemSocialmS
ecuritymAdministrationmandmhasmbeenmreceivingmdisabilitympayments.mHemismwonderingmwhetherm
hemcanmobtainmcoveragemundermMedicare.mWhatmshouldmyoumtellmhim?m-
mCORRECTmANSWERSmAftermreceivingmsuchmdisabilitympaymentsmform24mmonths,mhemwillmbemauto


maticallymenrolledminmMedicare,mregardlessmofmage.



Mr.mSchmidtmwouldmlikemtomplanmformretirementmandmhasmaskedmyoumwhatmismcoveredmundermOrig
inalmFee-for-Servicem(FFS)mMedicare.mWhatmcouldmyoumtellmhim?m-
mCORRECTmANSWERSmPartmA,mwhichmcoversmhospital,mskilledmnursingmfacility,mhospice,mandmhome


mhealthmservicesmandmPartmB,mwhichmcoversmprofessionalmservicesmsuchmasmthosemprovidedmbymamd


octormaremcoveredmundermOriginalmMedicare.