AHIP 2025 FINAL EXAM UPDATED
QUESTIONS AND VERIFIED ANSWERS,
100% GUARANTEE PASS
Mrs.BParkBisBanBelderlyBretiree.BMrs.BParkBhasBaBlowBfixedBincome.BWhatBcouldByouBtellBMrs.BParkBthatBmig
htBbeBofBassistance?B-BcorrectBanswer-
SheBshouldBcontactBherBstateBMedicaidBagencyBtoBseeBifBsheBqualifiesBforprogramsBthatBcanBhelpBwithBMed
icareBcostsBforBwhichBsheBisBresponsible.
MadelineBMartinezBwasBwidowedBseveralByearsBago.BHerBhusbandBworkedBforBmanyByearsBandBcontribute
dBintoBtheBMedicareBsystem.BHeBalsoBleftBaBsubstantialBestateBwhichBprovidesBMadelineBwithBanBannualBinc
omeBofBapproximatelyB$130,000.BMadeline,BwhoBhasBonlyBworkedBpart-
timeBforBtheBlastBthreeByears,BwillBsoonBturnBageB65BandBhopesBtoBenrollBinBOriginalBMedicare.BSheBcomesBt
oByouBforBadvice.BWhatBshouldByouBtellBher?B-BcorrectBanswer-
YouBshouldBtellBMadelineBthatBsheBwillBbeBableBtoBenrollBinBMedicareBPartBABwithoutBpayingBmonthlyBprem
iumsBdueBtoBherBhusband'sBlongBworkBrecordBandBparticipationBinBtheBMedicareBsystem.BYouBshouldBalsoBt
ellBMadelineBthatBsheBwillBpayBPartBBBpremiumsBatBmoreBthanBtheBstandardBlowestBrateBbutBlessBthanBtheB
highestBrateBdueBherBsubstantialBincome.
Mr.BBauerBisB49ByearsBold,BbutBeighteenBmonthsBagoBheBwasBdeclaredBdisabledBbyBtheBSocialBSecurityBAdm
inistrationBandBhasBbeenBreceivingBdisabilityBpayments.BHeBisBwonderingBwhetherBheBcanBobtainBcoverageB
underBMedicare.BWhatBshouldByouBtellBhimB-BcorrectBanswer-
AfterBreceivingBsuchBdisabilityBpaymentsBforB24Bmonths,BheBwillBbeBautomaticallyBenrolledBinBMedicare,Bre
gardlessBofBage.
Mr.BSchmidtBwouldBlikeBtoBplanBforBretirementBandBhasBaskedByouBwhatBisBcoveredBunderBOriginalBFee-for-
ServiceB(FFS)BMedicare?BWhatBcouldByouBtellBhim?B-BcorrectBanswer-
PartBA,BwhichBcoversBhospital,BskilledBnursingBfacility,BhospiceBandBhomeBhealthBservicesBandBPartBB,Bwhic
hBcoversBprofessionalBservicesBsuchBasBthoseBprovidedBbyBaBdoctorBareBcoveredBunderBOriginalBMedicare.
Mrs.BPeňaBisB66ByearsBold,BhasBcoverageBunderBanBemployerBplan,BandBwillBretireBnextByear.BSheBheardBsheB
mustBenrollBinBPartBBBatBtheBbeginningBofBtheByearBtoBensureBnoBgapBinBcoverage.BWhatBcanByouBtellBher?B-
BcorrectBanswer-
SheBmayBenrollBatBanyBtimeBwhileBsheBisBcoveredBunderBherBemployerBplan,BbutBsheBwillBhaveBaBspecialBeig
, htBmonthBenrollmentBperiodBthatBdiffersBfromBtheBstandardBgeneralBenrollmentBperiod,BduringBwhichBsheB
mayBenrollBinBMedicareBPartBB.
AgentBJohnBMillerBisBmeetingBwithBJerryBSmith,BaBnewBprospect.BJerryBisBcurrentlyBenrolledBinBMedicareBPa
rtsBABandBB.BJerryBhasBalsoBpurchasedBaBMedicareBSupplementB(Medigap)BplanBwhichBheBhasBhadBforBsever
alByears.BHowever,BtheBplanBdoesBnotBprovideBdrugBbenefits.BHowBwouldByouBadviseBAgentBJohnBMillerBtoB
proceed?B-BcorrectBanswer-
TellBprospectBJerryBSmithBthatBheBshouldBconsiderBaddingBaBstandaloneBPartBDBprescriptionBdrugBcoverageB
policyBtoBhisBpresentBcoverage.
Mr.BDiazBcontinuedBworkingBwithBhisBcompanyBandBwasBinsuredBunderBhisBemployer'sBgroupBplanBuntilBheB
reachedBageB68.BHeBhasBheardBthatBthereBisBaBpremiumBpenaltyBforBthoseBwhoBdidBnotBsignBupBforBPartBBB
whenBfirstBeligibleBandBwantsBtoBknowBhowBmuchBheBwillBhaveBtoBpay.BWhatBshouldByouBtellBhim?B-
BcorrectBanswer-TheBpenaltyBwillBbeBaBpermanentB10%BincreaseBinBhisBPartBBBpremiumBforBeveryB12-
monthBperiodBthatBpassedBduringBwhichBheBcouldBhaveBenrolledBandBdidBnot.
Ms.BMooreBplansBtoBretireBwhenBsheBturnsB65BinBaBfewBmonths.BSheBisBinBexcellentBhealthBandBwillBhaveBco
nsiderableBincomeBwhenBsheBretires.BSheBisBconcernedBthatBherBincomeBwillBmakeBitBimpossibleBforBherBtoB
qualifyBforBMedicare.BWhatBcouldByouBtellBherBtoBaddressBherBconcern?B-BcorrectBanswer-
MedicareBisBaBprogramBforBpeopleBageB65BorBolderBandBthoseBunderBageB65BwithBcertainBdisabilities,Bend-
stageBrenalBdisease,BandBLouBGehrig'sBdiseaseBsoBsheBwillBbeBeligibleBforBMedicare.
MildredBSavageBenrolledBinBAllcareBMedicareBAdvantageBplanBseveralByearsBago.BMildredBrecentlyBlearnedB
thatBsheBisBsufferingBfromBinoperableBcancerBandBhasBjustBaBfewBmonthsBtoBlive.BSheBwouldBlikeBtoBspendBt
heseBfinalBmonthsBinBhospiceBcare.BMildred'sBfamilyBasksByouBwhetherBhospiceBbenefitsBwillBbeBpaidBforBu
nderBtheBAllcareBMedicareBAdvantageBplan.BWhatBshouldByouBsay?B-BcorrectBanswer-
MildredBmayBremainBenrolledBinBAllcareBandBmakeBaBhospiceBelection.BHospiceBbenefitsBwillBbeBpaidBforBby
BOriginalBMedicareBunderBPartBABandBAllcareBwillBcontinueBtoBpayBforBanyBnon-hospiceBservices.
Mr.BGomezBnotesBthatBaBPrivateBFee-for-
ServiceB(PFFS)BplanBavailableBinBhisBareaBhasBanBattractiveBpremium.BHeBwantsBtoBknowBifBheBmustBuseBdoc
torsBinBaBnetworkBasBhisBcurrentBHMOBplanBrequiresBhimBtoBdo.BWhatBshouldByouBtellBhim?B-
BcorrectBanswer-
HeBmayBreceiveBhealthBcareBservicesBfromBanyBdoctorBallowedBtoBbillBMedicare,BasBlongBasBheBshowsBtheBd
octorBtheBplan'sBidentificationBcardBandBtheBdoctorBagreesBtoBacceptBtheBPFFSBplan'sBpaymentBtermsBandBc
onditions,BwhichBcouldBincludeBbalanceBbilling.
QUESTIONS AND VERIFIED ANSWERS,
100% GUARANTEE PASS
Mrs.BParkBisBanBelderlyBretiree.BMrs.BParkBhasBaBlowBfixedBincome.BWhatBcouldByouBtellBMrs.BParkBthatBmig
htBbeBofBassistance?B-BcorrectBanswer-
SheBshouldBcontactBherBstateBMedicaidBagencyBtoBseeBifBsheBqualifiesBforprogramsBthatBcanBhelpBwithBMed
icareBcostsBforBwhichBsheBisBresponsible.
MadelineBMartinezBwasBwidowedBseveralByearsBago.BHerBhusbandBworkedBforBmanyByearsBandBcontribute
dBintoBtheBMedicareBsystem.BHeBalsoBleftBaBsubstantialBestateBwhichBprovidesBMadelineBwithBanBannualBinc
omeBofBapproximatelyB$130,000.BMadeline,BwhoBhasBonlyBworkedBpart-
timeBforBtheBlastBthreeByears,BwillBsoonBturnBageB65BandBhopesBtoBenrollBinBOriginalBMedicare.BSheBcomesBt
oByouBforBadvice.BWhatBshouldByouBtellBher?B-BcorrectBanswer-
YouBshouldBtellBMadelineBthatBsheBwillBbeBableBtoBenrollBinBMedicareBPartBABwithoutBpayingBmonthlyBprem
iumsBdueBtoBherBhusband'sBlongBworkBrecordBandBparticipationBinBtheBMedicareBsystem.BYouBshouldBalsoBt
ellBMadelineBthatBsheBwillBpayBPartBBBpremiumsBatBmoreBthanBtheBstandardBlowestBrateBbutBlessBthanBtheB
highestBrateBdueBherBsubstantialBincome.
Mr.BBauerBisB49ByearsBold,BbutBeighteenBmonthsBagoBheBwasBdeclaredBdisabledBbyBtheBSocialBSecurityBAdm
inistrationBandBhasBbeenBreceivingBdisabilityBpayments.BHeBisBwonderingBwhetherBheBcanBobtainBcoverageB
underBMedicare.BWhatBshouldByouBtellBhimB-BcorrectBanswer-
AfterBreceivingBsuchBdisabilityBpaymentsBforB24Bmonths,BheBwillBbeBautomaticallyBenrolledBinBMedicare,Bre
gardlessBofBage.
Mr.BSchmidtBwouldBlikeBtoBplanBforBretirementBandBhasBaskedByouBwhatBisBcoveredBunderBOriginalBFee-for-
ServiceB(FFS)BMedicare?BWhatBcouldByouBtellBhim?B-BcorrectBanswer-
PartBA,BwhichBcoversBhospital,BskilledBnursingBfacility,BhospiceBandBhomeBhealthBservicesBandBPartBB,Bwhic
hBcoversBprofessionalBservicesBsuchBasBthoseBprovidedBbyBaBdoctorBareBcoveredBunderBOriginalBMedicare.
Mrs.BPeňaBisB66ByearsBold,BhasBcoverageBunderBanBemployerBplan,BandBwillBretireBnextByear.BSheBheardBsheB
mustBenrollBinBPartBBBatBtheBbeginningBofBtheByearBtoBensureBnoBgapBinBcoverage.BWhatBcanByouBtellBher?B-
BcorrectBanswer-
SheBmayBenrollBatBanyBtimeBwhileBsheBisBcoveredBunderBherBemployerBplan,BbutBsheBwillBhaveBaBspecialBeig
, htBmonthBenrollmentBperiodBthatBdiffersBfromBtheBstandardBgeneralBenrollmentBperiod,BduringBwhichBsheB
mayBenrollBinBMedicareBPartBB.
AgentBJohnBMillerBisBmeetingBwithBJerryBSmith,BaBnewBprospect.BJerryBisBcurrentlyBenrolledBinBMedicareBPa
rtsBABandBB.BJerryBhasBalsoBpurchasedBaBMedicareBSupplementB(Medigap)BplanBwhichBheBhasBhadBforBsever
alByears.BHowever,BtheBplanBdoesBnotBprovideBdrugBbenefits.BHowBwouldByouBadviseBAgentBJohnBMillerBtoB
proceed?B-BcorrectBanswer-
TellBprospectBJerryBSmithBthatBheBshouldBconsiderBaddingBaBstandaloneBPartBDBprescriptionBdrugBcoverageB
policyBtoBhisBpresentBcoverage.
Mr.BDiazBcontinuedBworkingBwithBhisBcompanyBandBwasBinsuredBunderBhisBemployer'sBgroupBplanBuntilBheB
reachedBageB68.BHeBhasBheardBthatBthereBisBaBpremiumBpenaltyBforBthoseBwhoBdidBnotBsignBupBforBPartBBB
whenBfirstBeligibleBandBwantsBtoBknowBhowBmuchBheBwillBhaveBtoBpay.BWhatBshouldByouBtellBhim?B-
BcorrectBanswer-TheBpenaltyBwillBbeBaBpermanentB10%BincreaseBinBhisBPartBBBpremiumBforBeveryB12-
monthBperiodBthatBpassedBduringBwhichBheBcouldBhaveBenrolledBandBdidBnot.
Ms.BMooreBplansBtoBretireBwhenBsheBturnsB65BinBaBfewBmonths.BSheBisBinBexcellentBhealthBandBwillBhaveBco
nsiderableBincomeBwhenBsheBretires.BSheBisBconcernedBthatBherBincomeBwillBmakeBitBimpossibleBforBherBtoB
qualifyBforBMedicare.BWhatBcouldByouBtellBherBtoBaddressBherBconcern?B-BcorrectBanswer-
MedicareBisBaBprogramBforBpeopleBageB65BorBolderBandBthoseBunderBageB65BwithBcertainBdisabilities,Bend-
stageBrenalBdisease,BandBLouBGehrig'sBdiseaseBsoBsheBwillBbeBeligibleBforBMedicare.
MildredBSavageBenrolledBinBAllcareBMedicareBAdvantageBplanBseveralByearsBago.BMildredBrecentlyBlearnedB
thatBsheBisBsufferingBfromBinoperableBcancerBandBhasBjustBaBfewBmonthsBtoBlive.BSheBwouldBlikeBtoBspendBt
heseBfinalBmonthsBinBhospiceBcare.BMildred'sBfamilyBasksByouBwhetherBhospiceBbenefitsBwillBbeBpaidBforBu
nderBtheBAllcareBMedicareBAdvantageBplan.BWhatBshouldByouBsay?B-BcorrectBanswer-
MildredBmayBremainBenrolledBinBAllcareBandBmakeBaBhospiceBelection.BHospiceBbenefitsBwillBbeBpaidBforBby
BOriginalBMedicareBunderBPartBABandBAllcareBwillBcontinueBtoBpayBforBanyBnon-hospiceBservices.
Mr.BGomezBnotesBthatBaBPrivateBFee-for-
ServiceB(PFFS)BplanBavailableBinBhisBareaBhasBanBattractiveBpremium.BHeBwantsBtoBknowBifBheBmustBuseBdoc
torsBinBaBnetworkBasBhisBcurrentBHMOBplanBrequiresBhimBtoBdo.BWhatBshouldByouBtellBhim?B-
BcorrectBanswer-
HeBmayBreceiveBhealthBcareBservicesBfromBanyBdoctorBallowedBtoBbillBMedicare,BasBlongBasBheBshowsBtheBd
octorBtheBplan'sBidentificationBcardBandBtheBdoctorBagreesBtoBacceptBtheBPFFSBplan'sBpaymentBtermsBandBc
onditions,BwhichBcouldBincludeBbalanceBbilling.
