AHIP Module 1 2026 EXAMS WITH
CORRECT SOLUTIONS GRADED A+
/2026
1. 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.
2. 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.
3. Ms. Lewis has aggressive cancer and would like to know if
Medicare will cover hospice services in case she needs them.
What should you tell her? - ANSWER-
4. 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 and would become
a secondary payor.
5. 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? - ANSWER-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.
6. 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? - ANSWER-To obtain
Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes.
7. 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.
8. Edward 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
CORRECT SOLUTIONS GRADED A+
/2026
1. 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.
2. 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.
3. Ms. Lewis has aggressive cancer and would like to know if
Medicare will cover hospice services in case she needs them.
What should you tell her? - ANSWER-
4. 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 and would become
a secondary payor.
5. 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? - ANSWER-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.
6. 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? - ANSWER-To obtain
Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes.
7. 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.
8. Edward 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
