AHIP TEST 2025
ANSWER ALL QUESTIONS IN THIS SECTION
QUESTION 1
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? - ANSWERS-In general, he must select a single
Part D premium payment mechanism that will be used throughout the year.
QUESTION 2
Another agent working for your agency claims that because you are not employed
by the Medicare Advantage plans that you represent, you are not subject to the
same marketing requirements as the plans themselves. How should you respond to
such a statement? - ANSWERS-Your coworker is not correct. Marketing on behalf
of a plan is considered marketing by the plan and requires that all contracted and
employed agents comply with all Medicare marketing rules.
QUESTION 3
Agent Martinez wishes to solicit Medicare Advantage prospects through e-mail
and asks you for advice as to whether this is possible. What should you tell her? -
ANSWERS-Marketing representatives may initiate electronic contact through e-
mail but an opt-out process must be provided.
END OF
PAGE 1
, AHIP TEST 2025
QUESTION 4
Hector Hernandez is an independent agent. Hector sells plans on behalf of three
Medicare Advantage organizations that offer a total of 10 plans but does not
represent all Medicare Advantage organizations offering plans that are available in
his area. Which of the following statements best describes any steps Hector is
required to take? - ANSWERS-During the first minute of a sales call, Hector must
use a disclaimer that says "I do not represent every plan available in your area. I
represent 3 organizations that offer 10 plans in your area. Please contact
Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program
to get information on all your options."
QUESTION 5
You have been providing a pre-Thanksgiving meal during sales presentations in
November for many years and your clients look forward to attending this annual
event. When marketing Medicare Advantage and Part D plans, what are you
permitted to do with respect to meals? - ANSWERS-You may provide light
snacks, but a Thanksgiving style meal would be prohibited, regardless of who
provides or pays for the meal.
QUESTION 6
Sal D'Angelo is new to the Medicare marketplace having previously been focused
on life insurance and disability income protection products. He intends to conduct
an educational seminar during the AEP at a local hotel and then invite those who
attend to a subsequent marketing meeting to discuss the benefits of next year's
END OF
PAGE 2
ANSWER ALL QUESTIONS IN THIS SECTION
QUESTION 1
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? - ANSWERS-In general, he must select a single
Part D premium payment mechanism that will be used throughout the year.
QUESTION 2
Another agent working for your agency claims that because you are not employed
by the Medicare Advantage plans that you represent, you are not subject to the
same marketing requirements as the plans themselves. How should you respond to
such a statement? - ANSWERS-Your coworker is not correct. Marketing on behalf
of a plan is considered marketing by the plan and requires that all contracted and
employed agents comply with all Medicare marketing rules.
QUESTION 3
Agent Martinez wishes to solicit Medicare Advantage prospects through e-mail
and asks you for advice as to whether this is possible. What should you tell her? -
ANSWERS-Marketing representatives may initiate electronic contact through e-
mail but an opt-out process must be provided.
END OF
PAGE 1
, AHIP TEST 2025
QUESTION 4
Hector Hernandez is an independent agent. Hector sells plans on behalf of three
Medicare Advantage organizations that offer a total of 10 plans but does not
represent all Medicare Advantage organizations offering plans that are available in
his area. Which of the following statements best describes any steps Hector is
required to take? - ANSWERS-During the first minute of a sales call, Hector must
use a disclaimer that says "I do not represent every plan available in your area. I
represent 3 organizations that offer 10 plans in your area. Please contact
Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program
to get information on all your options."
QUESTION 5
You have been providing a pre-Thanksgiving meal during sales presentations in
November for many years and your clients look forward to attending this annual
event. When marketing Medicare Advantage and Part D plans, what are you
permitted to do with respect to meals? - ANSWERS-You may provide light
snacks, but a Thanksgiving style meal would be prohibited, regardless of who
provides or pays for the meal.
QUESTION 6
Sal D'Angelo is new to the Medicare marketplace having previously been focused
on life insurance and disability income protection products. He intends to conduct
an educational seminar during the AEP at a local hotel and then invite those who
attend to a subsequent marketing meeting to discuss the benefits of next year's
END OF
PAGE 2
