AHIP Final Exam Study Guide –
Practice Questions with
Verified Answers. GRADED A+.
Latest 2026/2027 Update
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? - Answer✔✔-Mr. Wu may still qualify for help in
paying Part D costs through his State Pharmaceutical Assistance Program.
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? - Answer✔✔-After receiving such disability payments for 24
months, he will be automatically enrolled in Medicare, regardless of age.
Mildred Savage enrolled in Allcare Medicare Advantage plan several years ago.
Mildred recently learned that she is suffering from inoperable cancer and has
just a few months to live. She would like to spend these final months in hospice
care. Mildred's family asks you whether hospice benefits will be paid for under
the Allcare Medicare Advantage plan. What should you say? - Answer✔✔-
Mildred may remain enrolled in Allcare and make a hospice election. Hospice
benefits will be paid for by Original Medicare under Part A and Allcare will
continue to pay for any non-hospice services.
,Mr. Schmidt would like to plan for retirement and has asked you what is
covered under Original Fee-for-Service (FFS) Medicare. What could you tell
him? - Answer✔✔-Part A, which covers hospital, skilled nursing facility,
hospice, and home health services and Part B, which covers professional
services such as those provided by a doctor are covered under Original
Medicare.
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? - Answer✔✔-Tell prospect Jerry Smith that he should consider
adding a standalone Part D prescription drug coverage policy to his present
coverage.
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal
disease (ESRD) and will soon begin dialysis. He is wondering if he can obtain
coverage under Medicare. What should you tell him? - Answer✔✔-He may
sign-up for Medicare at any time however coverage usually begins on the
fourth month after dialysis treatments start.
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? -
Answer✔✔-Mr. Diaz will not pay any penalty because he had continuous
coverage under his employer's plan.
Madeline Martinez was widowed several years ago. Her husband worked for
many years and contributed into the Medicare system. He also left a substantial
, estate which provides Madeline with an annual income of approximately
$130,000. Madeline, who has only worked part-time for the last three years,
will soon turn age 65 and hopes to enroll in Original Medicare. She comes to
you for advice. What should you tell her? - Answer✔✔-You should tell
Madeline that she will be able to enroll in Medicare Part A without paying
monthly premiums due to her husband's long work record and participation in
the Medicare system. You should also tell Madeline that she will pay Part B
premiums at more than the standard lowest rate but less than the highest rate
due her substantial income.
Edward IP suffered from serious kidney disease. As a result. Edward became
eligible for Medicare coverage due to end-stage renal disease (ESRD). A close
relative donated their kidney and Edward successfully underwent transplant
surgery 12 months ago. Edward is now age 50 and asks you if his Medicare
coverage will continue, what should you say? - Answer✔✔-Individuals eligible
for Medicare based on ESRD generally lose eligibility 36 months after the
month in which the individual receives a kidney transplant unless they are
eligible for Medicare on another basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for coverage of
immunosuppressive drugs if he has no other health care coverage that would
cover the drugs.
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? - 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. Capadona would like to purchase a Medicare Advantage (MA) plan and a
Medigap plan to pick up costs not covered by that plan. What should you tell
Practice Questions with
Verified Answers. GRADED A+.
Latest 2026/2027 Update
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? - Answer✔✔-Mr. Wu may still qualify for help in
paying Part D costs through his State Pharmaceutical Assistance Program.
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? - Answer✔✔-After receiving such disability payments for 24
months, he will be automatically enrolled in Medicare, regardless of age.
Mildred Savage enrolled in Allcare Medicare Advantage plan several years ago.
Mildred recently learned that she is suffering from inoperable cancer and has
just a few months to live. She would like to spend these final months in hospice
care. Mildred's family asks you whether hospice benefits will be paid for under
the Allcare Medicare Advantage plan. What should you say? - Answer✔✔-
Mildred may remain enrolled in Allcare and make a hospice election. Hospice
benefits will be paid for by Original Medicare under Part A and Allcare will
continue to pay for any non-hospice services.
,Mr. Schmidt would like to plan for retirement and has asked you what is
covered under Original Fee-for-Service (FFS) Medicare. What could you tell
him? - Answer✔✔-Part A, which covers hospital, skilled nursing facility,
hospice, and home health services and Part B, which covers professional
services such as those provided by a doctor are covered under Original
Medicare.
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? - Answer✔✔-Tell prospect Jerry Smith that he should consider
adding a standalone Part D prescription drug coverage policy to his present
coverage.
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal
disease (ESRD) and will soon begin dialysis. He is wondering if he can obtain
coverage under Medicare. What should you tell him? - Answer✔✔-He may
sign-up for Medicare at any time however coverage usually begins on the
fourth month after dialysis treatments start.
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? -
Answer✔✔-Mr. Diaz will not pay any penalty because he had continuous
coverage under his employer's plan.
Madeline Martinez was widowed several years ago. Her husband worked for
many years and contributed into the Medicare system. He also left a substantial
, estate which provides Madeline with an annual income of approximately
$130,000. Madeline, who has only worked part-time for the last three years,
will soon turn age 65 and hopes to enroll in Original Medicare. She comes to
you for advice. What should you tell her? - Answer✔✔-You should tell
Madeline that she will be able to enroll in Medicare Part A without paying
monthly premiums due to her husband's long work record and participation in
the Medicare system. You should also tell Madeline that she will pay Part B
premiums at more than the standard lowest rate but less than the highest rate
due her substantial income.
Edward IP suffered from serious kidney disease. As a result. Edward became
eligible for Medicare coverage due to end-stage renal disease (ESRD). A close
relative donated their kidney and Edward successfully underwent transplant
surgery 12 months ago. Edward is now age 50 and asks you if his Medicare
coverage will continue, what should you say? - Answer✔✔-Individuals eligible
for Medicare based on ESRD generally lose eligibility 36 months after the
month in which the individual receives a kidney transplant unless they are
eligible for Medicare on another basis such as age or disability. Edward may,
however, remain enrolled in Part B but solely for coverage of
immunosuppressive drugs if he has no other health care coverage that would
cover the drugs.
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? - 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. Capadona would like to purchase a Medicare Advantage (MA) plan and a
Medigap plan to pick up costs not covered by that plan. What should you tell
