AHIP FINAL EXAM QUESTIONS AND
CORRECT ANSWERS (ALREADY
GRADED A+); VERIFIED ANSWERS
A client wants to give you an enrollment application on
October 1 before the beginning of the Annual Election
Period because he is leaving on vacation for two weeks
and does not want to forget about turning it in. What
should you tell him? - correct answer- You
must tell him you are not permitted to take the form. If he
sends the form directly to the plan, the plan will process
the enrollment on the day the Annual Election Period
begins.
ABC is a Medicare Advantage (MA) plan sponsor. It would
like to use its enrollees' information to market non-health
related products such as life insurance and annuities.
Which statement best describes ABC's obligation to its
enrollees regarding marketing such products? -
correct answer- It must obtain a HIPAA
compliant authorization from an enrollee that indicates
the plan or plan sponsor may use their information for
marketing purposes.
,Agent Daniel Webber has properly set up a sales
appointment to meet with client Edward Young at Agent
Webber's office. At the agreed upon appointment time,
Mr. Young arrives with his elderly neighbor - Clara Burton,
who wants to learn about her Medicare Advantage
options. What should Agent Daniel Webber do? -
correct answer- After executing a scope of
appointment (SOA) with Clara Burton, meet with Edward
Young and Clara Burton to discuss their Medicare
Advantage options.
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.
,Agent Martinez wishes to solicit Medicare Advantage
prospects through e-mail and asks you for advice as to
whether this is possible. What should you tell her? -
correct answer- Marketing representatives may
initiate electronic contact through e-mail but an opt-out
process must be provided.
Agent Suma has recently had several clients request his
assistance in completing their paper enrollment form.
What advice would you give him? - correct answer-
In most instances, Agent Suma should be clearly indicating
his name on their forms as their marketing
representative.
Another agent working for your agency claims that
because you are not employed by the Medicare
Advantage plans that you represent, you are not subject
to the same marketing requirements as the plans
themselves. How should you respond to such a
statement? - correct answer- Your coworker is
not correct. Marketing on behalf of a plan is considered
marketing by the plan and requires that all contracted and
employed agents comply with all Medicare marketing
rules.
, Another agent you know has engaged in misconduct that
has been verified by the plan she represented. What sort
of penalty might the plan impose on this individual? -
correct answer- The plan may withhold
commission, require retraining, report the misconduct to
a state department of insurance or terminate the
contract.
Anthony Boniface turned 65 in 2023. He was not receiving
Social Security or Railroad Retirement Benefits on his 65th
birthday. He was interested in obtaining Medicare
coverage and is eligible for premium-free Part A. Before
he could enroll in Medicare, his entire area was impacted
by a hurricane causing massive flooding and severe wind
damage. The Federal government declared this to be a
natural disaster which has recently ended. During this
period Anthony's initial enrollment period expired.
Anthony asks you how he can now obtain Medicare
coverage. What should you say? - correct answer-
Anthony is eligible for a special enrollment period (SEP)
because he missed an enrollment period due to the
impact of the Federally declared disaster. This SEP will
allow Anthony to enroll in Part B up to six months after
CORRECT ANSWERS (ALREADY
GRADED A+); VERIFIED ANSWERS
A client wants to give you an enrollment application on
October 1 before the beginning of the Annual Election
Period because he is leaving on vacation for two weeks
and does not want to forget about turning it in. What
should you tell him? - correct answer- You
must tell him you are not permitted to take the form. If he
sends the form directly to the plan, the plan will process
the enrollment on the day the Annual Election Period
begins.
ABC is a Medicare Advantage (MA) plan sponsor. It would
like to use its enrollees' information to market non-health
related products such as life insurance and annuities.
Which statement best describes ABC's obligation to its
enrollees regarding marketing such products? -
correct answer- It must obtain a HIPAA
compliant authorization from an enrollee that indicates
the plan or plan sponsor may use their information for
marketing purposes.
,Agent Daniel Webber has properly set up a sales
appointment to meet with client Edward Young at Agent
Webber's office. At the agreed upon appointment time,
Mr. Young arrives with his elderly neighbor - Clara Burton,
who wants to learn about her Medicare Advantage
options. What should Agent Daniel Webber do? -
correct answer- After executing a scope of
appointment (SOA) with Clara Burton, meet with Edward
Young and Clara Burton to discuss their Medicare
Advantage options.
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.
,Agent Martinez wishes to solicit Medicare Advantage
prospects through e-mail and asks you for advice as to
whether this is possible. What should you tell her? -
correct answer- Marketing representatives may
initiate electronic contact through e-mail but an opt-out
process must be provided.
Agent Suma has recently had several clients request his
assistance in completing their paper enrollment form.
What advice would you give him? - correct answer-
In most instances, Agent Suma should be clearly indicating
his name on their forms as their marketing
representative.
Another agent working for your agency claims that
because you are not employed by the Medicare
Advantage plans that you represent, you are not subject
to the same marketing requirements as the plans
themselves. How should you respond to such a
statement? - correct answer- Your coworker is
not correct. Marketing on behalf of a plan is considered
marketing by the plan and requires that all contracted and
employed agents comply with all Medicare marketing
rules.
, Another agent you know has engaged in misconduct that
has been verified by the plan she represented. What sort
of penalty might the plan impose on this individual? -
correct answer- The plan may withhold
commission, require retraining, report the misconduct to
a state department of insurance or terminate the
contract.
Anthony Boniface turned 65 in 2023. He was not receiving
Social Security or Railroad Retirement Benefits on his 65th
birthday. He was interested in obtaining Medicare
coverage and is eligible for premium-free Part A. Before
he could enroll in Medicare, his entire area was impacted
by a hurricane causing massive flooding and severe wind
damage. The Federal government declared this to be a
natural disaster which has recently ended. During this
period Anthony's initial enrollment period expired.
Anthony asks you how he can now obtain Medicare
coverage. What should you say? - correct answer-
Anthony is eligible for a special enrollment period (SEP)
because he missed an enrollment period due to the
impact of the Federally declared disaster. This SEP will
allow Anthony to enroll in Part B up to six months after
