AHIP Certification Exam & A+ 100
Questions and Answers Verified Solutions
Latest Update 2026/2027
Question:
AHIP Certification Test Bank | Complete Questions & Answers Graded A+ 100% Verified (2026)
■ 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? -✓✓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? -✓✓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 Mr. Moy? -✓✓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? -✓✓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. She is concerned that her income will make it
impossible for her to qualify for Medicare. What could you tell her to address her concern? -
✓✓Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease so she will be eligible for Medicare.
■ Mrs. Ellis recently turned 66 and decided after many years of work to retire and begin receiving
Social Security benefits. Shortly thereafter Mrs. Ellis received a letter informing her that she had
been automatically enrolled in Medicare Part B. She wants to understand what this means. What
should you tell Mrs. Ellis? -✓✓Part B primarily covers physician services. She will be paying a
monthly premium and, except for many preventive and screening tests, generally will have 20%
co-payments for these services, in addition to an annual deductible.
■ Mr. Singh would like drug coverage but does not want to be enrolled in a Medicare Advantage
plan. What should you tell him? -✓✓Mr. Singh can enroll in a stand-alone prescription drug plan
and continue to be covered for Part A and Part B services through Original Fee-for-Service
Medicare.
■ Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income. What could you tell Mrs.
Cook that might be of assistance? -✓✓She should contact her state Medicaid agency to see if she
qualifies for one of several programs that can help with Medicare costs for which she is
responsible.
■ Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes. What
should you tell
her? -✓✓To obtain Part B coverage, she must pay a standard monthly premium, though it is higher
for individuals with higher incomes.
■ 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? -✓✓After receiving such disability
payments for 24 months, he will be automatically enrolled in Medicare, regardless of age.
■ 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? -✓✓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.
■ Anthony Boniface turned 65 in 2024. 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
Questions and Answers Verified Solutions
Latest Update 2026/2027
Question:
AHIP Certification Test Bank | Complete Questions & Answers Graded A+ 100% Verified (2026)
■ 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? -✓✓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? -✓✓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 Mr. Moy? -✓✓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? -✓✓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. She is concerned that her income will make it
impossible for her to qualify for Medicare. What could you tell her to address her concern? -
✓✓Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease so she will be eligible for Medicare.
■ Mrs. Ellis recently turned 66 and decided after many years of work to retire and begin receiving
Social Security benefits. Shortly thereafter Mrs. Ellis received a letter informing her that she had
been automatically enrolled in Medicare Part B. She wants to understand what this means. What
should you tell Mrs. Ellis? -✓✓Part B primarily covers physician services. She will be paying a
monthly premium and, except for many preventive and screening tests, generally will have 20%
co-payments for these services, in addition to an annual deductible.
■ Mr. Singh would like drug coverage but does not want to be enrolled in a Medicare Advantage
plan. What should you tell him? -✓✓Mr. Singh can enroll in a stand-alone prescription drug plan
and continue to be covered for Part A and Part B services through Original Fee-for-Service
Medicare.
■ Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income. What could you tell Mrs.
Cook that might be of assistance? -✓✓She should contact her state Medicaid agency to see if she
qualifies for one of several programs that can help with Medicare costs for which she is
responsible.
■ Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes. What
should you tell
her? -✓✓To obtain Part B coverage, she must pay a standard monthly premium, though it is higher
for individuals with higher incomes.
■ 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? -✓✓After receiving such disability
payments for 24 months, he will be automatically enrolled in Medicare, regardless of age.
■ 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? -✓✓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.
■ Anthony Boniface turned 65 in 2024. 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
