AHIP TEST with Questions and Correct
Answers 2025
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? ,- ,CORRECT ,ANSWER-After ,receiving ,such ,disability ,payments ,for ,24 ,months,
,he ,will ,be ,automatically ,enrolled ,in ,Medicare, ,regardless ,of ,age.
Mrs. ,Park ,is ,an ,elderly ,retiree. ,Mrs. ,Park ,has ,a ,low ,fixed ,income. ,What ,could ,you ,tell
,Mrs. ,Park ,that ,might ,be ,of ,assistance? ,- ,CORRECT ,ANSWER-She ,should ,contact
,her ,state ,Medicaid ,agency ,to ,see ,if ,she ,qualifies ,for ,one ,of ,several ,programs ,that
,can ,help ,with ,Medicare ,costs ,for ,which ,she ,is ,responsible.
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? ,- ,CORRECT ,ANSWER-
Beneficiaries ,under ,Original ,Medicare ,have ,no ,cost-sharing ,for ,most ,preventive
,services ,which ,include ,immunizations ,such ,as ,annual ,flu ,shots.
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?
,- ,CORRECT ,ANSWER-Tell ,prospect ,Jerry ,Smith ,that ,he ,should ,consider ,adding ,a
,standalone ,Part ,D ,prescription ,drug ,coverage ,policy ,to ,his ,present ,coverage.
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? ,- ,CORRECT ,ANSWER-Mr. ,Wu ,may ,still ,qualify ,for ,help ,in ,paying ,Part ,D
,costs ,through ,his ,State ,Pharmaceutical ,Assistance ,Program.
, 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? ,- ,CORRECT ,ANSWER-To ,obtain
,Part ,B ,coverage, ,she ,must ,pay ,a ,standard ,monthly ,premium, ,though ,it ,is ,higher ,for
,individuals ,with ,higher ,incomes.
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? ,- ,CORRECT ,ANSWER-Mr. ,Diaz
,will ,not ,pay ,any ,penalty ,because ,he ,had ,continuous ,coverage ,under ,his ,employer's
,plan.
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? ,- ,CORRECT ,ANSWER-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. ,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? ,- ,CORRECT ,ANSWER-
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.
Which ,of ,the ,following ,statement(s) ,is/are ,correct ,about ,a ,Medicare ,Savings ,Account
,(MSA) ,Plans?
I. ,MSAs ,may ,have ,either ,a ,partial ,network, ,full ,network, ,or ,no ,network ,of ,providers.
II. ,MSA ,plans ,cover ,Part ,A ,and ,Part ,B ,benefits ,but ,not ,Part ,D ,prescription ,drug
,benefits.
III. ,An ,individual ,who ,is ,enrolled ,in ,an ,MSA ,plan ,is ,responsible ,for ,a ,minimal
,deductible ,of ,$500 ,indexed ,for ,inflation.
IV. ,Non-network ,providers ,must ,accept ,the ,same ,amount ,that ,Original ,Medicare
,would ,pay ,them ,as ,payment ,in ,full. ,- ,CORRECT ,ANSWER-I, ,II, ,and ,IV ,only
Juan ,Hernandez ,is ,turning ,65 ,next ,month, ,Juan ,legally ,entered ,the ,United ,States
,over ,twenty ,years ,ago ,but ,is ,not ,a ,citizen. ,Since ,his ,entry ,into ,the ,country, ,Juan ,has
,worked ,at ,Smallcap ,Incorporated ,and ,contributed ,to ,the ,Medicare ,system. ,Juan
,suffers ,from ,diabetes. ,He ,will ,soon ,retire ,and ,asks ,you ,if ,he ,can ,enroll ,in ,a ,Medicare
,Advantage ,plan ,that ,you ,represent. ,How ,would ,you ,respond? ,- ,CORRECT
,ANSWER-Juan ,is ,eligible ,to ,enroll ,in ,a ,Medicare ,Advantage ,as ,long ,as ,he ,is ,entitled
,to ,Part ,A ,and ,enrolled ,in ,Part ,B. ,Juan ,should ,go ,to ,the ,Social ,Security ,website ,to
Answers 2025
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? ,- ,CORRECT ,ANSWER-After ,receiving ,such ,disability ,payments ,for ,24 ,months,
,he ,will ,be ,automatically ,enrolled ,in ,Medicare, ,regardless ,of ,age.
Mrs. ,Park ,is ,an ,elderly ,retiree. ,Mrs. ,Park ,has ,a ,low ,fixed ,income. ,What ,could ,you ,tell
,Mrs. ,Park ,that ,might ,be ,of ,assistance? ,- ,CORRECT ,ANSWER-She ,should ,contact
,her ,state ,Medicaid ,agency ,to ,see ,if ,she ,qualifies ,for ,one ,of ,several ,programs ,that
,can ,help ,with ,Medicare ,costs ,for ,which ,she ,is ,responsible.
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? ,- ,CORRECT ,ANSWER-
Beneficiaries ,under ,Original ,Medicare ,have ,no ,cost-sharing ,for ,most ,preventive
,services ,which ,include ,immunizations ,such ,as ,annual ,flu ,shots.
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?
,- ,CORRECT ,ANSWER-Tell ,prospect ,Jerry ,Smith ,that ,he ,should ,consider ,adding ,a
,standalone ,Part ,D ,prescription ,drug ,coverage ,policy ,to ,his ,present ,coverage.
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? ,- ,CORRECT ,ANSWER-Mr. ,Wu ,may ,still ,qualify ,for ,help ,in ,paying ,Part ,D
,costs ,through ,his ,State ,Pharmaceutical ,Assistance ,Program.
, 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? ,- ,CORRECT ,ANSWER-To ,obtain
,Part ,B ,coverage, ,she ,must ,pay ,a ,standard ,monthly ,premium, ,though ,it ,is ,higher ,for
,individuals ,with ,higher ,incomes.
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? ,- ,CORRECT ,ANSWER-Mr. ,Diaz
,will ,not ,pay ,any ,penalty ,because ,he ,had ,continuous ,coverage ,under ,his ,employer's
,plan.
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? ,- ,CORRECT ,ANSWER-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. ,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? ,- ,CORRECT ,ANSWER-
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.
Which ,of ,the ,following ,statement(s) ,is/are ,correct ,about ,a ,Medicare ,Savings ,Account
,(MSA) ,Plans?
I. ,MSAs ,may ,have ,either ,a ,partial ,network, ,full ,network, ,or ,no ,network ,of ,providers.
II. ,MSA ,plans ,cover ,Part ,A ,and ,Part ,B ,benefits ,but ,not ,Part ,D ,prescription ,drug
,benefits.
III. ,An ,individual ,who ,is ,enrolled ,in ,an ,MSA ,plan ,is ,responsible ,for ,a ,minimal
,deductible ,of ,$500 ,indexed ,for ,inflation.
IV. ,Non-network ,providers ,must ,accept ,the ,same ,amount ,that ,Original ,Medicare
,would ,pay ,them ,as ,payment ,in ,full. ,- ,CORRECT ,ANSWER-I, ,II, ,and ,IV ,only
Juan ,Hernandez ,is ,turning ,65 ,next ,month, ,Juan ,legally ,entered ,the ,United ,States
,over ,twenty ,years ,ago ,but ,is ,not ,a ,citizen. ,Since ,his ,entry ,into ,the ,country, ,Juan ,has
,worked ,at ,Smallcap ,Incorporated ,and ,contributed ,to ,the ,Medicare ,system. ,Juan
,suffers ,from ,diabetes. ,He ,will ,soon ,retire ,and ,asks ,you ,if ,he ,can ,enroll ,in ,a ,Medicare
,Advantage ,plan ,that ,you ,represent. ,How ,would ,you ,respond? ,- ,CORRECT
,ANSWER-Juan ,is ,eligible ,to ,enroll ,in ,a ,Medicare ,Advantage ,as ,long ,as ,he ,is ,entitled
,to ,Part ,A ,and ,enrolled ,in ,Part ,B. ,Juan ,should ,go ,to ,the ,Social ,Security ,website ,to
