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AHIP 2026 Final Exam questions with answers
1. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?: Medicare does not cover acupuncture, or, in general, glasses or dentures.
2. Mr. Bickford did not quite qualify for the extra help low-income subsidy under
the Medicare Part D Prescription Drug program and he is wondering if there
is any other option he has for obtaining help with his considerable drug costs.
What should you tell him?: He could check with the manufacturers of his medications to see if they otter
an assistance program to help people with limited means obtain the medications they need. Alternatively, he could
check to see whether his state has a pharmacy assistance program to help him with his expenses.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you
represent. It is one of three plans operated by the same organization in Mr.
Lombardi's area. The MA PPO plan does not include drug coverage, but the
other two plans do. Mr. Lombardi likes the PPO plan that does not include
drug coverage and intends to obtain his drug coverage through a stand-alone
Medicare prescription drug plan. What should you tell him about this situa-
tion?: He could enroll in one of the MA plans that include prescription drug coverage or a Medigap plan and a
stand-alone prescription drug plan, but he cannot enroll in the MA-only PPO plan and a stand-alone prescription drug
plan.
4. 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?: In general, he must select a single Part D
premium payment mechanism that will be used throughout the year.
, 5. Agent Jennings makes a presentation on Medicare advertised as an educa-
tional event. Agent Jennings distributes materials that are solely educational
in nature. However, she gives a brief presentation that mentions plan-specific
premiums. Is this a prohibited activity at an event that has been advertised as
educational?: Yes. When an event has been advertised as "educational," discussing plan-specific premiums is
impermissible.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
AHIP 2026 Final Exam questions with answers
1. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?: Medicare does not cover acupuncture, or, in general, glasses or dentures.
2. Mr. Bickford did not quite qualify for the extra help low-income subsidy under
the Medicare Part D Prescription Drug program and he is wondering if there
is any other option he has for obtaining help with his considerable drug costs.
What should you tell him?: He could check with the manufacturers of his medications to see if they otter
an assistance program to help people with limited means obtain the medications they need. Alternatively, he could
check to see whether his state has a pharmacy assistance program to help him with his expenses.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you
represent. It is one of three plans operated by the same organization in Mr.
Lombardi's area. The MA PPO plan does not include drug coverage, but the
other two plans do. Mr. Lombardi likes the PPO plan that does not include
drug coverage and intends to obtain his drug coverage through a stand-alone
Medicare prescription drug plan. What should you tell him about this situa-
tion?: He could enroll in one of the MA plans that include prescription drug coverage or a Medigap plan and a
stand-alone prescription drug plan, but he cannot enroll in the MA-only PPO plan and a stand-alone prescription drug
plan.
4. 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?: In general, he must select a single Part D
premium payment mechanism that will be used throughout the year.
, 5. Agent Jennings makes a presentation on Medicare advertised as an educa-
tional event. Agent Jennings distributes materials that are solely educational
in nature. However, she gives a brief presentation that mentions plan-specific
premiums. Is this a prohibited activity at an event that has been advertised as
educational?: Yes. When an event has been advertised as "educational," discussing plan-specific premiums is
impermissible.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
