2027 AHIP FINAL EXAM WITH
ACTUAL CORRECT QUESTIONS AND
VERIFIED DETAILED
ANSWERS|FREQUENTLY TESTED
QUESTIONS AND
SOLUTIONS|ALREADY GRADED
A+|NEWEST|GUARANTEED PASS
2026/2027
Which of the following individuals are likely to qualify for a special election period (SEP) for either an MA
or Part D due to a change of residence?
I. Edward (enrolled in MA and Part D) moves to a new home within the same neighborhood in his
existing plan's service area.
II. Fiona (enrolled in MA and Part D) moves cross-country to an area outside her existing plan's service
area.
III. Gilbert moves into a plan service area where there is now a Part D plan available to him from a
service area where no Part D plan was available.
IV. Henry makes a permanent move to a new state providing him with new MA and Part D options
II, III, and IV only
Mr. Washington is turning 65 next month and has asked you what he can do, and when he must do it,
with respect to enrolling in Part D. What could you tell him?
He is currently in the Part D Initial Enrollment Period (IEP), and during this time, he may make one Part D
enrollment choice, including enrollment in a stand-alone Part D plan or an MA-PD plan.
Mrs. Fowler is moving and a friend told her she might qualify for a "special election period" to enroll in a
new Medicare Advantage plan. She contacted you to ask what a special election period is. What could
you tell her?
It is a period, outside of the Annual Election Period, when a Medicare beneficiary can select a new or
different Medicare Advantage and/or Part D prescription drug plan. Typically, the special election period
is beneficiary specific and results from events, such as when the beneficiary moves outside of the
service area.
1|Page
,When Emma first became eligible for Medicare, she enrolled in Original Medicare (Parts A and B). She is
now 67 and will turn 68 on July 1. She would now like to enroll in a Medicare Advantage (MA) plan and
approaches you about her options. What advice would you give her?
She should remain in Original Medicare until the annual election period running from October 15 to
December 7, during which she can select an MA plan.
Mr. and Mrs. Orozco attended one of your sales presentations. They've asked you to come to their
home to clear up a few questions. During the presentation, Mrs. Orozco feels tired and tells you that her
husband can finish things up. She goes to bed. At the end of your discussion, Mr. Orozco says that he
wants to enroll both himself and his wife. What should you do?
If she can do so, only Mrs. Orozco can sign her enrollment form. Mrs. Orozco will have to wake up to
sign her form or do so at another time.
You are visiting Mr. Connor and his daughter at her request. He has advanced Alzheimer's and is
incapable of understanding the implications of choosing a Medicare Advantage or prescription drug
plan. Can his daughter fill out the enrollment form and sign it for him?
Mr. Connor's daughter can do so only if she is authorized under state law as a court-appointed legal
guardian, has a durable power of attorney for health care decisions, or is authorized under state
surrogate consent laws to make health decisions.
Mr. Blake is enrolled in his employer's group health plan and will be retiring soon. He would like to know
his options since he has decided to drop his retiree coverage and is eligible for Medicare. What should
you tell him?
Mr. Blake can disenroll from his employer-sponsored coverage to elect a Medicare Advantage or Part D
plan within 2 months of his disenrollment.
Mrs. Farmer would like to enroll in a Medicare Cost plan that offers Part D prescription drug coverage.
She is coming to you for advice about when she can enroll in a plan you have previously discussed. What
should you tell her?
Enrollment in Cost plans offering Part D coverage is available only during enrollment periods under the
Part D program, and Cost plans must accept enrollments during these periods.
Mrs. Dunn would like her daughter, who lives in another state, to meet with you during the Annual
Election Period to help her complete her enrollment in a Part D plan. She asked you when she should
have her daughter plan to visit. What could you tell her?
Her daughter should come in November.
Mr. Jerome Summers participated in Original Medicare (Parts A and B) for several years before electing
to enroll in a Medicare Savings Account (MSA) Medicare Advantage Plan for the first time on November
1st during the Annual Election Period. Almost immediately thereafter, Mr. Summers contacts you to tell
you that he regrets his decision and wants to change his election back to Original Medicare. How would
you advise him?
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, Mr. Summers may revoke his election if he does it no later than December 15th of the same year. He is
allowed to do this because he has never elected an MA MSA plan.
Mrs. Delgado is currently enrolled in Original Medicare (Parts A and B), but she has been working with
Agent Hudson in the selection of a Medicare Advantage (MA) plan. It is mid-September, and Mrs.
Delgado is going on vacation. Agent Hudson is considering suggesting that he and Mrs. Delgado
complete the application together before she leaves. He will then submit the paper application before
the start of the annual enrollment period (AEP). What would you say If you were advising Agent
Hudson?
This is a bad idea. Agents are generally prohibited from soliciting or accepting an enrollment form before
the start of the AEP.
Ms. Sutton is enrolled in an MA-PD plan but will be moving out of the plan's service area next month.
She is worried that she will not be able to enroll in another plan available in her new residence until the
Annual Election Period. What should you tell her?
She is eligible for a special election period (SEP) that begins either the month before her permanent
move, if the plan is notified in advance, or the month she provides notice of the move, and this period
typically lasts an additional two months.
Which of the following individuals has enrolled in a plan based on a fixed enrollment period?
Tran enrolls in a Medicare Advantage plan during the Medicare Advantage Open Enrollment Period (MA
OEP).
Mrs. Knight enrolled in an MA-PD plan during the Annual Election Period. In mid-January of the
following year, she wants to switch back to Original Medicare and enroll in a stand-alone prescription
drug plan. What should you tell her?
During the MA Open Enrollment Period, from January 1 - March 31, she may disenroll from the MA-PD
plan into Original Medicare and may add a stand-alone prescription drug plan.
Mr. Shaffer is currently enrolled in a Medicare Advantage plan that includes drug coverage. He found a
stand-alone Medicare prescription drug plan in his area that offers better coverage than that available
through his MA-PD plan and in addition, has a low premium. It won't cost him much more and, because
he has the means to do so, he wishes to enroll in the stand-alone prescription drug plan in addition to
his MA-PD plan. What should you tell him?
If Mr. Shaffer enrolls in the stand-alone Medicare prescription drug plan, he will be disenrolled from the
Medicare Advantage plan.
Mrs. Curry enrolled in Original Medicare and Medigap coverage following her retirement several years
ago. Four months ago, Mrs. Curry dropped her Medigap policy to enroll in a Medicare Advantage (MA)
plan for the first time. Unfortunately, Mrs. Curry has found that many of her providers are not in the MA
plan's network. She has come to you for advice. What should you tell her?
She qualifies for a special election period (SEP) that will allow her to make a one-time election to return
to Original Medicare and she also has a guaranteed eligibility period to rejoin her Medigap plan.
3|Page
ACTUAL CORRECT QUESTIONS AND
VERIFIED DETAILED
ANSWERS|FREQUENTLY TESTED
QUESTIONS AND
SOLUTIONS|ALREADY GRADED
A+|NEWEST|GUARANTEED PASS
2026/2027
Which of the following individuals are likely to qualify for a special election period (SEP) for either an MA
or Part D due to a change of residence?
I. Edward (enrolled in MA and Part D) moves to a new home within the same neighborhood in his
existing plan's service area.
II. Fiona (enrolled in MA and Part D) moves cross-country to an area outside her existing plan's service
area.
III. Gilbert moves into a plan service area where there is now a Part D plan available to him from a
service area where no Part D plan was available.
IV. Henry makes a permanent move to a new state providing him with new MA and Part D options
II, III, and IV only
Mr. Washington is turning 65 next month and has asked you what he can do, and when he must do it,
with respect to enrolling in Part D. What could you tell him?
He is currently in the Part D Initial Enrollment Period (IEP), and during this time, he may make one Part D
enrollment choice, including enrollment in a stand-alone Part D plan or an MA-PD plan.
Mrs. Fowler is moving and a friend told her she might qualify for a "special election period" to enroll in a
new Medicare Advantage plan. She contacted you to ask what a special election period is. What could
you tell her?
It is a period, outside of the Annual Election Period, when a Medicare beneficiary can select a new or
different Medicare Advantage and/or Part D prescription drug plan. Typically, the special election period
is beneficiary specific and results from events, such as when the beneficiary moves outside of the
service area.
1|Page
,When Emma first became eligible for Medicare, she enrolled in Original Medicare (Parts A and B). She is
now 67 and will turn 68 on July 1. She would now like to enroll in a Medicare Advantage (MA) plan and
approaches you about her options. What advice would you give her?
She should remain in Original Medicare until the annual election period running from October 15 to
December 7, during which she can select an MA plan.
Mr. and Mrs. Orozco attended one of your sales presentations. They've asked you to come to their
home to clear up a few questions. During the presentation, Mrs. Orozco feels tired and tells you that her
husband can finish things up. She goes to bed. At the end of your discussion, Mr. Orozco says that he
wants to enroll both himself and his wife. What should you do?
If she can do so, only Mrs. Orozco can sign her enrollment form. Mrs. Orozco will have to wake up to
sign her form or do so at another time.
You are visiting Mr. Connor and his daughter at her request. He has advanced Alzheimer's and is
incapable of understanding the implications of choosing a Medicare Advantage or prescription drug
plan. Can his daughter fill out the enrollment form and sign it for him?
Mr. Connor's daughter can do so only if she is authorized under state law as a court-appointed legal
guardian, has a durable power of attorney for health care decisions, or is authorized under state
surrogate consent laws to make health decisions.
Mr. Blake is enrolled in his employer's group health plan and will be retiring soon. He would like to know
his options since he has decided to drop his retiree coverage and is eligible for Medicare. What should
you tell him?
Mr. Blake can disenroll from his employer-sponsored coverage to elect a Medicare Advantage or Part D
plan within 2 months of his disenrollment.
Mrs. Farmer would like to enroll in a Medicare Cost plan that offers Part D prescription drug coverage.
She is coming to you for advice about when she can enroll in a plan you have previously discussed. What
should you tell her?
Enrollment in Cost plans offering Part D coverage is available only during enrollment periods under the
Part D program, and Cost plans must accept enrollments during these periods.
Mrs. Dunn would like her daughter, who lives in another state, to meet with you during the Annual
Election Period to help her complete her enrollment in a Part D plan. She asked you when she should
have her daughter plan to visit. What could you tell her?
Her daughter should come in November.
Mr. Jerome Summers participated in Original Medicare (Parts A and B) for several years before electing
to enroll in a Medicare Savings Account (MSA) Medicare Advantage Plan for the first time on November
1st during the Annual Election Period. Almost immediately thereafter, Mr. Summers contacts you to tell
you that he regrets his decision and wants to change his election back to Original Medicare. How would
you advise him?
2|Page
, Mr. Summers may revoke his election if he does it no later than December 15th of the same year. He is
allowed to do this because he has never elected an MA MSA plan.
Mrs. Delgado is currently enrolled in Original Medicare (Parts A and B), but she has been working with
Agent Hudson in the selection of a Medicare Advantage (MA) plan. It is mid-September, and Mrs.
Delgado is going on vacation. Agent Hudson is considering suggesting that he and Mrs. Delgado
complete the application together before she leaves. He will then submit the paper application before
the start of the annual enrollment period (AEP). What would you say If you were advising Agent
Hudson?
This is a bad idea. Agents are generally prohibited from soliciting or accepting an enrollment form before
the start of the AEP.
Ms. Sutton is enrolled in an MA-PD plan but will be moving out of the plan's service area next month.
She is worried that she will not be able to enroll in another plan available in her new residence until the
Annual Election Period. What should you tell her?
She is eligible for a special election period (SEP) that begins either the month before her permanent
move, if the plan is notified in advance, or the month she provides notice of the move, and this period
typically lasts an additional two months.
Which of the following individuals has enrolled in a plan based on a fixed enrollment period?
Tran enrolls in a Medicare Advantage plan during the Medicare Advantage Open Enrollment Period (MA
OEP).
Mrs. Knight enrolled in an MA-PD plan during the Annual Election Period. In mid-January of the
following year, she wants to switch back to Original Medicare and enroll in a stand-alone prescription
drug plan. What should you tell her?
During the MA Open Enrollment Period, from January 1 - March 31, she may disenroll from the MA-PD
plan into Original Medicare and may add a stand-alone prescription drug plan.
Mr. Shaffer is currently enrolled in a Medicare Advantage plan that includes drug coverage. He found a
stand-alone Medicare prescription drug plan in his area that offers better coverage than that available
through his MA-PD plan and in addition, has a low premium. It won't cost him much more and, because
he has the means to do so, he wishes to enroll in the stand-alone prescription drug plan in addition to
his MA-PD plan. What should you tell him?
If Mr. Shaffer enrolls in the stand-alone Medicare prescription drug plan, he will be disenrolled from the
Medicare Advantage plan.
Mrs. Curry enrolled in Original Medicare and Medigap coverage following her retirement several years
ago. Four months ago, Mrs. Curry dropped her Medigap policy to enroll in a Medicare Advantage (MA)
plan for the first time. Unfortunately, Mrs. Curry has found that many of her providers are not in the MA
plan's network. She has come to you for advice. What should you tell her?
She qualifies for a special election period (SEP) that will allow her to make a one-time election to return
to Original Medicare and she also has a guaranteed eligibility period to rejoin her Medigap plan.
3|Page
