AHIP Exam| Questions (Latest Update 2026/2027) With 100% Correct
Answers |Verified
Part B primarily covers physician services. She will be paying a monthly premium and, with the
exception of many preventive and screening tests, generally will have 20% coinsurance for these
services, in addition to an annual deductible. - ✔️✔️Mrs. Quinn recently turned 66 and
decided after many years of work to begin receiving Social Security benefits. Shortly thereafter
Mrs. Quinn received a letter informing her that she has been automatically enrolled in Medicare
Part B. She wants to understand what this means. What should you tell Mrs. Quinn?
Original Medicare covers ambulance services. - ✔️✔️Mrs. Turner is comparing her employer's
retiree insurance to Original Medicare and would like to know which of the following services
Original Medicare will cover if the appropriate criteria are met? What could you tell her?
Mr. Diaz will not pay any penalty because he had continuous coverage under his employer's
plan. - ✔️✔️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?
You are sorry to disappoint Anita but a Medigap Part F plan is no longer available to those who
turn age 65 after January 1,2020. Anita might instead consider other Medigap plans that offer
foreign travel benefits but do not cover the Part B deductible. - ✔️✔️Anita Magri will turn age
65 in August 2020. 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 neighbor Mel has told her
about the Medigap Part F plan 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?
Medicare Supplemental Insurance would help cover his Part A and Part B cost sharing in Original
Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare does not cover. -
✔️✔️Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what
,coverage Medicare Supplemental Insurance provides since his health care needs are different
from his wife's needs. What could you tell Mr. Moy?
After receiving such disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age. - ✔️✔️Mr. Bauer is 49 years old, but eighteen months ago he was
declared disabled by the Social Security Administration and has been receiving disability
payments. He is wondering whether he can obtain coverage under Medicare. What should you
tell him?
Part A, which covers hospital, skilled nursing facility, hospice, and home health services and Part
B, which covers professional services such as those provided by a doctor are covered under
Original Medicare. - ✔️✔️Mr. Schmidt would like to plan for retirement and has asked you
what is covered under Original Fee-for-Service (FFS) Medicare? What could you tell him?
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease so she will be eligible for
Medicare. - ✔️✔️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?
Medicare will cover Mrs. Shield's skilled nursing services provided 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. -
✔️✔️Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is being
successfully 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?
Beneficiaries under Original Medicare have no cost-sharing for most preventive services which
include immunizations such as annual flu shots. - ✔️✔️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?
, Part D covers prescription drugs and she should look at her premiums, formulary, and cost-
sharing among other factors to see if they have changed. - ✔️✔️Mrs. Geisler's neighbor told
her she should look at her Part D options during the annual Medicare enrollment period
because features of Part D might have changed. Mrs. Geisler can't remember what Part D is so
she called you to ask what her neighbor was talking about. What could you tell her?
The Part B deductible will no longer be covered for individuals newly eligible for Medicare
starting January 1, 2020. - ✔️✔️What impact, if any, will recent regulatory changes have upon
Medigap plans?
Mr. Wu may still qualify for help in paying Part D costs through his State Pharmaceutical
Assistance Program. - ✔️✔️Mr. Wu is eligible for Medicare. He has limited financial resources
but failed to qualify for the Part D low-income subsidy. Where might he turn for help with his
prescription drug costs?
You should tell Madeline that she will be able to enroll in Medicare Part A without paying
monthly premiums due to her husband's long work record and participation in the Medicare
system. You should also tell Madeline that she will pay Part B premiums at more than the
standard lowest rate but less than the highest rate due her substantial income. -
✔️✔️Madeline Martinez was widowed several years ago. Her husband worked for many years
and contributed into the Medicare system. He also left a substantial estate which provides
Madeline with an annual income of approximately $130,000. Madeline, who has only worked
part-time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare.
She comes to you for advice. What should you tell her?
Tell prospect Jerry Smith that he should consider adding a standalone Part D prescription drug
coverage policy to his present coverage. - ✔️✔️Agent John Miller is meeting with Jerry Smith, a
new prospect. Jerry is currently enrolled in Medicare Parts A and B. Jerry has also purchased a
Medicare Supplement (Medigap) plan which he has had for several years. However, the plan
does not provide drug benefits. How would you advise Agent John Miller to proceed?
Answers |Verified
Part B primarily covers physician services. She will be paying a monthly premium and, with the
exception of many preventive and screening tests, generally will have 20% coinsurance for these
services, in addition to an annual deductible. - ✔️✔️Mrs. Quinn recently turned 66 and
decided after many years of work to begin receiving Social Security benefits. Shortly thereafter
Mrs. Quinn received a letter informing her that she has been automatically enrolled in Medicare
Part B. She wants to understand what this means. What should you tell Mrs. Quinn?
Original Medicare covers ambulance services. - ✔️✔️Mrs. Turner is comparing her employer's
retiree insurance to Original Medicare and would like to know which of the following services
Original Medicare will cover if the appropriate criteria are met? What could you tell her?
Mr. Diaz will not pay any penalty because he had continuous coverage under his employer's
plan. - ✔️✔️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?
You are sorry to disappoint Anita but a Medigap Part F plan is no longer available to those who
turn age 65 after January 1,2020. Anita might instead consider other Medigap plans that offer
foreign travel benefits but do not cover the Part B deductible. - ✔️✔️Anita Magri will turn age
65 in August 2020. 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 neighbor Mel has told her
about the Medigap Part F plan 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?
Medicare Supplemental Insurance would help cover his Part A and Part B cost sharing in Original
Fee-for-Service (FFS) Medicare as well as possibly some services that Medicare does not cover. -
✔️✔️Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what
,coverage Medicare Supplemental Insurance provides since his health care needs are different
from his wife's needs. What could you tell Mr. Moy?
After receiving such disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age. - ✔️✔️Mr. Bauer is 49 years old, but eighteen months ago he was
declared disabled by the Social Security Administration and has been receiving disability
payments. He is wondering whether he can obtain coverage under Medicare. What should you
tell him?
Part A, which covers hospital, skilled nursing facility, hospice, and home health services and Part
B, which covers professional services such as those provided by a doctor are covered under
Original Medicare. - ✔️✔️Mr. Schmidt would like to plan for retirement and has asked you
what is covered under Original Fee-for-Service (FFS) Medicare? What could you tell him?
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease so she will be eligible for
Medicare. - ✔️✔️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?
Medicare will cover Mrs. Shield's skilled nursing services provided 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. -
✔️✔️Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is being
successfully 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?
Beneficiaries under Original Medicare have no cost-sharing for most preventive services which
include immunizations such as annual flu shots. - ✔️✔️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?
, Part D covers prescription drugs and she should look at her premiums, formulary, and cost-
sharing among other factors to see if they have changed. - ✔️✔️Mrs. Geisler's neighbor told
her she should look at her Part D options during the annual Medicare enrollment period
because features of Part D might have changed. Mrs. Geisler can't remember what Part D is so
she called you to ask what her neighbor was talking about. What could you tell her?
The Part B deductible will no longer be covered for individuals newly eligible for Medicare
starting January 1, 2020. - ✔️✔️What impact, if any, will recent regulatory changes have upon
Medigap plans?
Mr. Wu may still qualify for help in paying Part D costs through his State Pharmaceutical
Assistance Program. - ✔️✔️Mr. Wu is eligible for Medicare. He has limited financial resources
but failed to qualify for the Part D low-income subsidy. Where might he turn for help with his
prescription drug costs?
You should tell Madeline that she will be able to enroll in Medicare Part A without paying
monthly premiums due to her husband's long work record and participation in the Medicare
system. You should also tell Madeline that she will pay Part B premiums at more than the
standard lowest rate but less than the highest rate due her substantial income. -
✔️✔️Madeline Martinez was widowed several years ago. Her husband worked for many years
and contributed into the Medicare system. He also left a substantial estate which provides
Madeline with an annual income of approximately $130,000. Madeline, who has only worked
part-time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare.
She comes to you for advice. What should you tell her?
Tell prospect Jerry Smith that he should consider adding a standalone Part D prescription drug
coverage policy to his present coverage. - ✔️✔️Agent John Miller is meeting with Jerry Smith, a
new prospect. Jerry is currently enrolled in Medicare Parts A and B. Jerry has also purchased a
Medicare Supplement (Medigap) plan which he has had for several years. However, the plan
does not provide drug benefits. How would you advise Agent John Miller to proceed?
