AHIP 2026 FINAL EXAM 2026
EXAM QUESTIONS AND
ANSWERS | 100% PASS
Ms. Galindo will turn 65 on June 10th. She has never previously
qualified for Medicare. She is entitled to Medicare Part A and intends to
enroll in Part B. She wants to know if she is eligible to enroll in a
Medicare Advantage plan that includes prescription drug coverage. What
do you tell her? - ANSWER ✔✔a. Ms. Galindo can enroll in an MA-
PD plan now since her initial election period (IEP) for Part D prescription
,drug coverage and initial coverage election period (ICEP) are occurring
together beginning March 1st and ending September 30th.
Mr. Moreno invited his neighbor, Agent Tom Smith, to discuss Medicare
Advantage (MA) and Part D plans that Agent Smith sells at the regular
Tuesday brunch the neighbors have for senior citizens. What should
Agent Tom Smith tell Mr. Moreno about the kinds of food that can be
provided to potential enrollees who attend the sales presentation? -
ANSWER ✔✔A meal cannot be provided, but light snacks would be
permitted.
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 him? - ANSWER ✔✔It is illegal for you to sell Mr.
Capadona a Medigap plan if he is enrolled in an MA plan, and besides,
Medigap only works with 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. 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 (SPAP).
Mr. Vasquez is in good health and is preparing a budget in anticipation of
his retirement when he turns 66. He wants to understand the health care
costs he might be exposed to under Medicare if he were to require
hospitalization because of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare? - ANSWER ✔✔Under Original Medicare, there is a single
deductible amount due for the first 60 days of any inpatient hospital stay,
after which it converts into a per-day coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 days over his
lifetime, after which he would be responsible for all costs.
Mr. Moy will soon turn age 65. He is slightly younger than his wife. Mr.
Moy's wife has a Medicare Advantage plan, but he wants to understand
what coverage Medicare Supplemental Insurance provides since his
health care needs are different from his wife's needs. What could you tell
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2026. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, Mr. Moy? - ANSWER ✔✔Medicare Supplemental Insurance would
help cover his Part A deductible and Part B coinsurance or copayments
in Original Fee-for-Service (FFS) Medicare as well as possibly some
services that Medicare does not cover.
Juan Perez, who is turning age 65 next month, intends to work for
several more years at Smallcap, Incorporated. Smallcap has a workforce
of 15 employees and offers employer-sponsored healthcare coverage.
Juan is a naturalized citizen and has contributed to the Medicare system
for over 20 years. Juan asks you if he will be entitled to Medicare and if
he enrolls how that will impact his employer- sponsored healthcare
coverage. How would you respond? - ANSWER ✔✔Juan is likely to
be eligible for Medicare once he turns age 65 and if he enrolls, Medicare
would become the primary payor of his healthcare claims and Smallcap
does not have to continue to offer him coverage comparable to those
under age 65 under its employer-sponsored group health plan. Juan is
likely to be eligible for Medicare once he turns age 65 and if he enrolls,
Medicare would become the primary payor of his healthcare claims but
Smallcap must continue to offer him coverage under its employer-
sponsored group health plan and would become a secondary payor.
Ms. Kumar plans to retire when she turns 65 in a few months. She is in
excellent health and will have considerable income when she retires.
EXAM QUESTIONS AND
ANSWERS | 100% PASS
Ms. Galindo will turn 65 on June 10th. She has never previously
qualified for Medicare. She is entitled to Medicare Part A and intends to
enroll in Part B. She wants to know if she is eligible to enroll in a
Medicare Advantage plan that includes prescription drug coverage. What
do you tell her? - ANSWER ✔✔a. Ms. Galindo can enroll in an MA-
PD plan now since her initial election period (IEP) for Part D prescription
,drug coverage and initial coverage election period (ICEP) are occurring
together beginning March 1st and ending September 30th.
Mr. Moreno invited his neighbor, Agent Tom Smith, to discuss Medicare
Advantage (MA) and Part D plans that Agent Smith sells at the regular
Tuesday brunch the neighbors have for senior citizens. What should
Agent Tom Smith tell Mr. Moreno about the kinds of food that can be
provided to potential enrollees who attend the sales presentation? -
ANSWER ✔✔A meal cannot be provided, but light snacks would be
permitted.
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 him? - ANSWER ✔✔It is illegal for you to sell Mr.
Capadona a Medigap plan if he is enrolled in an MA plan, and besides,
Medigap only works with 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. 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 (SPAP).
Mr. Vasquez is in good health and is preparing a budget in anticipation of
his retirement when he turns 66. He wants to understand the health care
costs he might be exposed to under Medicare if he were to require
hospitalization because of an illness. In general terms, what could you
tell him about his costs for inpatient hospital services under Original
Medicare? - ANSWER ✔✔Under Original Medicare, there is a single
deductible amount due for the first 60 days of any inpatient hospital stay,
after which it converts into a per-day coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 days over his
lifetime, after which he would be responsible for all costs.
Mr. Moy will soon turn age 65. He is slightly younger than his wife. Mr.
Moy's wife has a Medicare Advantage plan, but he wants to understand
what coverage Medicare Supplemental Insurance provides since his
health care needs are different from his wife's needs. What could you tell
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2026. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, Mr. Moy? - ANSWER ✔✔Medicare Supplemental Insurance would
help cover his Part A deductible and Part B coinsurance or copayments
in Original Fee-for-Service (FFS) Medicare as well as possibly some
services that Medicare does not cover.
Juan Perez, who is turning age 65 next month, intends to work for
several more years at Smallcap, Incorporated. Smallcap has a workforce
of 15 employees and offers employer-sponsored healthcare coverage.
Juan is a naturalized citizen and has contributed to the Medicare system
for over 20 years. Juan asks you if he will be entitled to Medicare and if
he enrolls how that will impact his employer- sponsored healthcare
coverage. How would you respond? - ANSWER ✔✔Juan is likely to
be eligible for Medicare once he turns age 65 and if he enrolls, Medicare
would become the primary payor of his healthcare claims and Smallcap
does not have to continue to offer him coverage comparable to those
under age 65 under its employer-sponsored group health plan. Juan is
likely to be eligible for Medicare once he turns age 65 and if he enrolls,
Medicare would become the primary payor of his healthcare claims but
Smallcap must continue to offer him coverage under its employer-
sponsored group health plan and would become a secondary payor.
Ms. Kumar plans to retire when she turns 65 in a few months. She is in
excellent health and will have considerable income when she retires.
