AHIP 2025 final exam 100% VERIFIED
ANSWERS 2024/2025 GUARANTEED PASS
Edward IP suffered from serious kidney disease. As
a result. Edward became 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? ✔✔
Individuals eligible for Medicare based on ESRD
generally lose eligibility 36 months after the month
in which the individual receives a kidney transplant
unless they are eligible for Medicare on another
basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for
coverage of immunosuppressive drugs if he has no
other health care 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? ✔✔
Mildred may 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 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? ✔✔
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 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? ✔✔
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? ✔✔
Most individuals who are citizens and age 65 or over
are covered under Part A by virtue of having paid
Medicare taxes while working, though some may be
covered as a result of paying monthly premiums.
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?
✔✔
,After receiving such disability payments for 24
months, he will be automatically enrolled in
Medicare, regardless of age.
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? ✔✔
Beneficiaries under Original Medicare have no cost-
sharing for most preventive services which include
immunizations such as annual flu shots.
Mrs. Peňa is 66 years old, has coverage under an
employer plan, and will retire next year. She heard
she must enroll in Part B at the beginning of the year
to ensure no gap in coverage. What can you tell her?
✔✔
She may enroll at any time while she is covered
under her employer plan, but she will have a special
eight-month enrollment period after the last month
on her employer plan that differs from the standard
general enrollment period, during which she may
enroll in Medicare Part B.
Mr. Davis is 52 years old and has recently been
diagnosed with end-stage renal disease (ESRD) and
will soon begin dialysis. He is wondering if he can
obtain coverage under Medicare. What should you
tell him? ✔✔
He may sign-up for Medicare at any time however
coverage usually begins on the fourth month after
dialysis treatments start.
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? ✔✔
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.
Ms. Henderson believes that she will qualify for
Medicare Coverage when she turns 65, without
paying any premiums, because she has been working
for 40 years and paying Medicare taxes. What should
you tell her? ✔✔
To obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals
with higher incomes.
To obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals
with higher incomes. ✔✔
Mrs. Gonzalez cannot purchase a Medigap plan that
covers drugs, but she could keep her Medigap policy
and enroll in a Part D prescription drug plan.
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
ANSWERS 2024/2025 GUARANTEED PASS
Edward IP suffered from serious kidney disease. As
a result. Edward became 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? ✔✔
Individuals eligible for Medicare based on ESRD
generally lose eligibility 36 months after the month
in which the individual receives a kidney transplant
unless they are eligible for Medicare on another
basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for
coverage of immunosuppressive drugs if he has no
other health care 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? ✔✔
Mildred may 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 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? ✔✔
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 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? ✔✔
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? ✔✔
Most individuals who are citizens and age 65 or over
are covered under Part A by virtue of having paid
Medicare taxes while working, though some may be
covered as a result of paying monthly premiums.
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?
✔✔
,After receiving such disability payments for 24
months, he will be automatically enrolled in
Medicare, regardless of age.
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? ✔✔
Beneficiaries under Original Medicare have no cost-
sharing for most preventive services which include
immunizations such as annual flu shots.
Mrs. Peňa is 66 years old, has coverage under an
employer plan, and will retire next year. She heard
she must enroll in Part B at the beginning of the year
to ensure no gap in coverage. What can you tell her?
✔✔
She may enroll at any time while she is covered
under her employer plan, but she will have a special
eight-month enrollment period after the last month
on her employer plan that differs from the standard
general enrollment period, during which she may
enroll in Medicare Part B.
Mr. Davis is 52 years old and has recently been
diagnosed with end-stage renal disease (ESRD) and
will soon begin dialysis. He is wondering if he can
obtain coverage under Medicare. What should you
tell him? ✔✔
He may sign-up for Medicare at any time however
coverage usually begins on the fourth month after
dialysis treatments start.
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? ✔✔
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.
Ms. Henderson believes that she will qualify for
Medicare Coverage when she turns 65, without
paying any premiums, because she has been working
for 40 years and paying Medicare taxes. What should
you tell her? ✔✔
To obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals
with higher incomes.
To obtain Part B coverage, she must pay a standard
monthly premium, though it is higher for individuals
with higher incomes. ✔✔
Mrs. Gonzalez cannot purchase a Medigap plan that
covers drugs, but she could keep her Medigap policy
and enroll in a Part D prescription drug plan.
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
