AHIP FINAL EXAM TEST QUESTIONS
ACTUAL EXAM QUESTIONS AND
CORRECT ANSWERS WITH RATIONALES
| A+ GRADED | LATEST
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief fro
vx vx vx vx vx vx vx vx vx vx vx vx
m arthritis through acupuncture. She is concerned about whether or not Medicare
vx vx vx vx vx vx vx vx vx vx vx vx
will cover these items and services. What should you tell her? - ANSWERS-
vx vx vx vx vx vx vx vx vx vx vx vx
Medicare does not cover acupuncture, or, in general, glasses or dentures.
vx vx vx vx vx vx vx vx vx vx
Mr. Bickford did not quite qualify for the extra help low-
vx vx vx vx vx vx vx vx vx vx
income subsidy under the Medicare Part D Prescription Drug program and he is wo
vx vx vx vx vx vx vx vx vx vx vx vx vx
ndering if there is any other option he has for obtaining help with his considerable d
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
rug costs. What should you tell him? - ANSWERS-
vx vx vx vx vx vx vx vx
He could check with the manufacturers of his medications to see if they offer an as
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
sistance program to help people with limited means obtain the medications they ne
vx vx vx vx vx vx vx vx vx vx vx vx
ed. Alternatively, he could check to see whether his state has a pharmacy assistan
vx vx vx vx vx vx vx vx vx vx vx vx vx
ce program to help him with his expenses.
vx vx vx vx vx vx vx
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you repres
vx vx vx vx vx vx vx vx vx vx vx vx vx
ent. It is one of three plans operated by the same organization in Mr. Lombardi's ar
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ea. The MA PPO plan does not include drug coverage, but the other two plans do.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Mr. Lombardi likes the PPO plan that does not include drug coverage and intends t
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
o obtain his drug coverage through a stand-
vx vx vx vx vx vx vx
alone Medicare prescription drug plan. What should you tell him about this situation
vx vx vx vx vx vx vx vx vx vx vx vx
? - ANSWERS-
vx vx
He could enroll in one of the MA plans that include prescription drug coverage or a
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Medigap plan and a stand- vx vx vx vx
alone prescription drug plan, but he cannot enroll in the MA-
vx vx vx vx vx vx vx vx vx vx
only PPO plan and a stand-alone prescription drug plan.
vx vx vx vx vx vx vx vx
Mr. Torres has a small savings account. He would like to pay for his monthly Part
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
D premiums with an automatic monthly withdrawal from his savings account until it
vx vx vx vx vx vx vx vx vx vx vx vx vx
is exhausted, and then have his premiums withheld from his Social Security check.
vx vx vx vx vx vx vx vx vx vx vx vx vx
What should you tell him? - ANSWERS-
vx vx vx vx vx vx
In general, he must select a single Part D premium payment mechanism that will b
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
e used throughout the year.
vx vx vx vx
Agent Jennings makes a presentation on Medicare advertised as an educational ev
vx vx vx vx vx vx vx vx vx vx vx
ent. Agent Jennings distributes materials that are solely educational in nature. How
vx vx vx vx vx vx vx vx vx vx vx
ever, she gives a brief presentation that mentions plan-
vx vx vx vx vx vx vx vx
specific premiums. Is this a prohibited activity at an event that has been advertised
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
as educational? - ANSWERS-
vx vx vx
, Yes. When an event has been advertised as "educational," discussing plan-
vx vx vx vx vx vx vx vx vx vx
specific premiums is impermissible. vx vx vx
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare pr
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
escription drug plan because, although she is entitled to Part A, she is not enrolled
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
under Medicare Part B. What should you tell her? - ANSWERS-
vx vx vx vx vx vx vx vx vx vx
Everyone who is entitled to Part A or enrolled under Part B is eligible to enroll in a
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Medicare prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
does not need to enroll under Part B before enrolling in a prescription drug plan.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Mr. Jacob understands that there is a standard Medicare Part D prescription drug b
vx vx vx vx vx vx vx vx vx vx vx vx vx
enefit, but when he looks at information on various plans available in his area, he s
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ees a wide range in what they charge for deductibles, premiums and cost sharing.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
How can you explain this to him? - ANSWERS-
vx vx vx vx vx vx vx vx
Medicare Part D drug plans may have different benefit structures, but on average, t
vx vx vx vx vx vx vx vx vx vx vx vx vx
hey must all be at least as good as the standard model established by the governm
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ent.
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent h
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ealth and will have considerable income when she retires. She is concerned that h
vx vx vx vx vx vx vx vx vx vx vx vx vx
er income will make it impossible for her to qualify for Medicare. What could you tel
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
l her to address her concern? - ANSWERS-
vx vx vx vx vx vx vx
Medicare is a program for people age 65 or older and those under age 65 with cert
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ain disabilities, end stage renal disease or Lou Gehrig's disease, so she will be eligi
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ble for Medicare.
vx vx
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC H
vx vx vx vx vx vx vx vx vx vx vx vx vx
ealth Plan, a Medicare Advantage (MA) plan that offers plans in multiple states. XY
vx vx vx vx vx vx vx vx vx vx vx vx vx
Z Agency maintains a website marketing the MA plans with which it has contracts.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Agent Armstrong follows up with individuals who request more information about A
vx vx vx vx vx vx vx vx vx vx vx
BC MA plans via the website and tries to persuade them to enroll in ABC plans. W
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
hat statement best describes the marketing and compliance rules that apply to Age
vx vx vx vx vx vx vx vx vx vx vx vx
nt Armstrong? - ANSWERS-
vx vx vx
Agent Armstrong needs to be licensed and appointed in every state in which benefi
vx vx vx vx vx vx vx vx vx vx vx vx vx
ciaries to whom he markets ABC MA plans are located.
vx vx vx vx vx vx vx vx vx
Mr. Schmidt would like to plan for retirement and has asked you what is covered u
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
nder Original Fee-for-Service (FFS) Medicare? What could you tell him? -
vx vx vx vx vx vx vx vx vx vx
ANSWERS-
vx
Part A, which covers hospital, skilled nursing facility, hospice and home health servi
vx vx vx vx vx vx vx vx vx vx vx vx
ces and Part B, which covers professional services such as those provided by a do
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ctor are covered under Original Medicare.
vx vx vx vx vx
You are seeking to represent an individual Medicare Advantage plan and an individ
vx vx vx vx vx vx vx vx vx vx vx vx
ual Part D plan in your state. You have completed the required training for each pla
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
n, but you did not achieve a passing score on the tests that came after the training.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
What can you do in this situation? - ANSWERS-
vx vx vx vx vx vx vx vx vx
You will not be able to represent any Medicare Advantage or Part D plan until you
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
complete the training and achieve an adequate score, although you will not have to
vx vx vx vx vx vx vx vx vx vx vx vx vx v
ACTUAL EXAM QUESTIONS AND
CORRECT ANSWERS WITH RATIONALES
| A+ GRADED | LATEST
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief fro
vx vx vx vx vx vx vx vx vx vx vx vx
m arthritis through acupuncture. She is concerned about whether or not Medicare
vx vx vx vx vx vx vx vx vx vx vx vx
will cover these items and services. What should you tell her? - ANSWERS-
vx vx vx vx vx vx vx vx vx vx vx vx
Medicare does not cover acupuncture, or, in general, glasses or dentures.
vx vx vx vx vx vx vx vx vx vx
Mr. Bickford did not quite qualify for the extra help low-
vx vx vx vx vx vx vx vx vx vx
income subsidy under the Medicare Part D Prescription Drug program and he is wo
vx vx vx vx vx vx vx vx vx vx vx vx vx
ndering if there is any other option he has for obtaining help with his considerable d
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
rug costs. What should you tell him? - ANSWERS-
vx vx vx vx vx vx vx vx
He could check with the manufacturers of his medications to see if they offer an as
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
sistance program to help people with limited means obtain the medications they ne
vx vx vx vx vx vx vx vx vx vx vx vx
ed. Alternatively, he could check to see whether his state has a pharmacy assistan
vx vx vx vx vx vx vx vx vx vx vx vx vx
ce program to help him with his expenses.
vx vx vx vx vx vx vx
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you repres
vx vx vx vx vx vx vx vx vx vx vx vx vx
ent. It is one of three plans operated by the same organization in Mr. Lombardi's ar
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ea. The MA PPO plan does not include drug coverage, but the other two plans do.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Mr. Lombardi likes the PPO plan that does not include drug coverage and intends t
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
o obtain his drug coverage through a stand-
vx vx vx vx vx vx vx
alone Medicare prescription drug plan. What should you tell him about this situation
vx vx vx vx vx vx vx vx vx vx vx vx
? - ANSWERS-
vx vx
He could enroll in one of the MA plans that include prescription drug coverage or a
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Medigap plan and a stand- vx vx vx vx
alone prescription drug plan, but he cannot enroll in the MA-
vx vx vx vx vx vx vx vx vx vx
only PPO plan and a stand-alone prescription drug plan.
vx vx vx vx vx vx vx vx
Mr. Torres has a small savings account. He would like to pay for his monthly Part
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
D premiums with an automatic monthly withdrawal from his savings account until it
vx vx vx vx vx vx vx vx vx vx vx vx vx
is exhausted, and then have his premiums withheld from his Social Security check.
vx vx vx vx vx vx vx vx vx vx vx vx vx
What should you tell him? - ANSWERS-
vx vx vx vx vx vx
In general, he must select a single Part D premium payment mechanism that will b
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
e used throughout the year.
vx vx vx vx
Agent Jennings makes a presentation on Medicare advertised as an educational ev
vx vx vx vx vx vx vx vx vx vx vx
ent. Agent Jennings distributes materials that are solely educational in nature. How
vx vx vx vx vx vx vx vx vx vx vx
ever, she gives a brief presentation that mentions plan-
vx vx vx vx vx vx vx vx
specific premiums. Is this a prohibited activity at an event that has been advertised
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
as educational? - ANSWERS-
vx vx vx
, Yes. When an event has been advertised as "educational," discussing plan-
vx vx vx vx vx vx vx vx vx vx
specific premiums is impermissible. vx vx vx
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare pr
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
escription drug plan because, although she is entitled to Part A, she is not enrolled
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
under Medicare Part B. What should you tell her? - ANSWERS-
vx vx vx vx vx vx vx vx vx vx
Everyone who is entitled to Part A or enrolled under Part B is eligible to enroll in a
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Medicare prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
does not need to enroll under Part B before enrolling in a prescription drug plan.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Mr. Jacob understands that there is a standard Medicare Part D prescription drug b
vx vx vx vx vx vx vx vx vx vx vx vx vx
enefit, but when he looks at information on various plans available in his area, he s
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ees a wide range in what they charge for deductibles, premiums and cost sharing.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
How can you explain this to him? - ANSWERS-
vx vx vx vx vx vx vx vx
Medicare Part D drug plans may have different benefit structures, but on average, t
vx vx vx vx vx vx vx vx vx vx vx vx vx
hey must all be at least as good as the standard model established by the governm
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ent.
Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent h
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ealth and will have considerable income when she retires. She is concerned that h
vx vx vx vx vx vx vx vx vx vx vx vx vx
er income will make it impossible for her to qualify for Medicare. What could you tel
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
l her to address her concern? - ANSWERS-
vx vx vx vx vx vx vx
Medicare is a program for people age 65 or older and those under age 65 with cert
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ain disabilities, end stage renal disease or Lou Gehrig's disease, so she will be eligi
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ble for Medicare.
vx vx
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC H
vx vx vx vx vx vx vx vx vx vx vx vx vx
ealth Plan, a Medicare Advantage (MA) plan that offers plans in multiple states. XY
vx vx vx vx vx vx vx vx vx vx vx vx vx
Z Agency maintains a website marketing the MA plans with which it has contracts.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
Agent Armstrong follows up with individuals who request more information about A
vx vx vx vx vx vx vx vx vx vx vx
BC MA plans via the website and tries to persuade them to enroll in ABC plans. W
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
hat statement best describes the marketing and compliance rules that apply to Age
vx vx vx vx vx vx vx vx vx vx vx vx
nt Armstrong? - ANSWERS-
vx vx vx
Agent Armstrong needs to be licensed and appointed in every state in which benefi
vx vx vx vx vx vx vx vx vx vx vx vx vx
ciaries to whom he markets ABC MA plans are located.
vx vx vx vx vx vx vx vx vx
Mr. Schmidt would like to plan for retirement and has asked you what is covered u
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
nder Original Fee-for-Service (FFS) Medicare? What could you tell him? -
vx vx vx vx vx vx vx vx vx vx
ANSWERS-
vx
Part A, which covers hospital, skilled nursing facility, hospice and home health servi
vx vx vx vx vx vx vx vx vx vx vx vx
ces and Part B, which covers professional services such as those provided by a do
vx vx vx vx vx vx vx vx vx vx vx vx vx vx
ctor are covered under Original Medicare.
vx vx vx vx vx
You are seeking to represent an individual Medicare Advantage plan and an individ
vx vx vx vx vx vx vx vx vx vx vx vx
ual Part D plan in your state. You have completed the required training for each pla
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
n, but you did not achieve a passing score on the tests that came after the training.
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
What can you do in this situation? - ANSWERS-
vx vx vx vx vx vx vx vx vx
You will not be able to represent any Medicare Advantage or Part D plan until you
vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx vx
complete the training and achieve an adequate score, although you will not have to
vx vx vx vx vx vx vx vx vx vx vx vx vx v
