2025 AHIP Final Test with Correct Answers
Richard is a licensed agent who represents Spartan Health Plan and its Medicare Advantage (MA) plans.
Richard has several clients who have recently come to him for help who are in their initial coverage
election period (ICEP) and are interested in enrolling in one of Spartan Health Plan's MA plans. Alice will
soon turn 65 and retire. Alice has coverage through Spartan Health Plan offered by her employer. Bob
had health coverage through Spartan but dropped the coverage when he retired early to travel
overseas. Bob, who has just turned age 65, is now back in the United States. Charlotte, who will turn 65
next month, has coverage through Athena Health plan - a company Richard also represents. Who
qualifies for the opt-in simplified enrollment mechanism? - correct answersAlice and Charlotte because
each of them currently have health coverage and is in their initial coverage election period (ICEP).
Alice is enrolled in a MA-PD plan. She makes a permanent move across the country and wonders what
her options are for continuing MA-PD coverage. What would you say to her in regard to a special
enrollment period (SEP)? - correct answersShe is likely to qualify for a SEP. She can choose an effective
date of up to three months after the month in which the enrollment form is received by the new plan,
but the effective date may not be earlier than the date of her permanent move.
Ms. Morris will turn 65 on June 10th. She has never previously qualified for Medicare. She is entitled to
Medicare Part A and intends to enroll in Part B. She wants to know if she is eligible to enroll in a
Medicare Advantage plan that includes prescription drug coverage. What do you tell her? - correct
answersMs. Morris can enroll in an MA-PD plan now since her initial election period (IEP) for Part D
prescription drug coverage and initial coverage period are occurring together beginning March 1st and
ending September 30th.
Mr. Lopez, who is fairly well-off financially, would like to enroll in a Medicare prescription drug plan you
represent and simply give you a check to cover his premiums for the entire year. What should you tell
him? - correct answersEnrollees should pay using automatic withdrawal from a bank account or credit or
debit card, direct monthly billing from the plan, or deductions from their Social Security check.
Mrs. Albertson has been enrolled in a Medicare Part D plan for several years. She takes several brand
name drugs and is interested in learning about the Medicare Prescription Payment Plan. What should
you tell her? - correct answersEnrollees can opt out of the program at any time. However, they will
continue to be billed for any cost-sharing amounts still owed.
Richard is a licensed agent who represents Spartan Health Plan and its Medicare Advantage (MA) plans.
Richard has several clients who have recently come to him for help who are in their initial coverage
election period (ICEP) and are interested in enrolling in one of Spartan Health Plan's MA plans. Alice will
soon turn 65 and retire. Alice has coverage through Spartan Health Plan offered by her employer. Bob
had health coverage through Spartan but dropped the coverage when he retired early to travel
overseas. Bob, who has just turned age 65, is now back in the United States. Charlotte, who will turn 65
next month, has coverage through Athena Health plan - a company Richard also represents. Who
qualifies for the opt-in simplified enrollment mechanism? - correct answersAlice and Charlotte because
each of them currently have health coverage and is in their initial coverage election period (ICEP).
Alice is enrolled in a MA-PD plan. She makes a permanent move across the country and wonders what
her options are for continuing MA-PD coverage. What would you say to her in regard to a special
enrollment period (SEP)? - correct answersShe is likely to qualify for a SEP. She can choose an effective
date of up to three months after the month in which the enrollment form is received by the new plan,
but the effective date may not be earlier than the date of her permanent move.
Ms. Morris will turn 65 on June 10th. She has never previously qualified for Medicare. She is entitled to
Medicare Part A and intends to enroll in Part B. She wants to know if she is eligible to enroll in a
Medicare Advantage plan that includes prescription drug coverage. What do you tell her? - correct
answersMs. Morris can enroll in an MA-PD plan now since her initial election period (IEP) for Part D
prescription drug coverage and initial coverage period are occurring together beginning March 1st and
ending September 30th.
Mr. Lopez, who is fairly well-off financially, would like to enroll in a Medicare prescription drug plan you
represent and simply give you a check to cover his premiums for the entire year. What should you tell
him? - correct answersEnrollees should pay using automatic withdrawal from a bank account or credit or
debit card, direct monthly billing from the plan, or deductions from their Social Security check.
Mrs. Albertson has been enrolled in a Medicare Part D plan for several years. She takes several brand
name drugs and is interested in learning about the Medicare Prescription Payment Plan. What should
you tell her? - correct answersEnrollees can opt out of the program at any time. However, they will
continue to be billed for any cost-sharing amounts still owed.
