1
AHIP FINAL EXAM TEST REAL EXAM QUESTIONS
AND ANSWERS 2026-27 LATEST UPDATED VERSION
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
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.
,2
Ms. Lee is enrolled in an MA-PD plan, but will be moving out of the
plan's service area next month.
She is worried that she will not be able to enroll in another plan available
in her new residence until
the Annual Election Period. What should you tell her? -CORRECT
ANSWER--
She is eligible for a Special Election Period that begins either the
month before her permanent move, if the plan is notified in
advance, or the month she provides notice of the move, and this
period typically lasts an additional two months.
Mr. Patel 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 as a result of an illness. In general terms, what
could you tell him about his
costs for inpatient hospital services under Original Medicare? -
CORRECT 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 perday 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
You market many different types of insurance and ordinarily you spend
time each evening calling
potential clients. To be in compliance with requirements for marketing
Medicare Advantage and Part
D plans, what must you do about contacting potential clients to market
those plans? -CORRECT ANSWER-- You will have to avoid calling
any potential client, unless he or she initiates
contact with you and specifically asks that you give him or her a call.
You are working with a number of plans and community
organizations to sponsor an educational
event. When putting together advertisements for this event, what
should you do? -CORRECT ANSWER-- You must ensure that the
,3
advertisements indicate it is an educational
event, otherwise it will be considered a marketing event.
, 4
Ms. Lopez is an independent agent under contract with MarketCo, a
third-party marketing
organization. MarketCo has a contract with BestCare health plan, a
Medicare Advantage (MA)
organization, to offer marketing services through its contracted agents
and agencies. Ms. Lopez
returns calls to individuals who contact MarketCo in response to its
mailers promoting BestCare
health plan. Which of the following best describes the responsibilities of
Ms. Lopez? -CORRECT ANSWER-- Ms. Lopez is considered a
marketing representative of BestCare and thus
is obligated to comply with CMS marketing requirements, including
those regarding using only approved call scripts.
Mrs. Young is currently enrolled in Original Medicare (Parts A and B),
but she has been working with
Agent Neil Adams in the selection of a Medicare Advantage (MA)
plan. It is mid-September, and Mrs.
Young is going on vacation. Agent Adams is considering suggesting
that he and Mrs. Young
complete the application together before she leaves. He will then submit
the paper application prior
the start of the annual enrollment period (AEP). What would you say If
you were advising Agent
Adams? -CORRECT ANSWER-- This is a bad idea. Agents are
generally prohibited from soliciting or
accepting an enrollment form prior to the start of the AEP.
Your friend's mother just moved to an assisted living facility and he
asked if you could present a
program for the residents about the MA-PD plans you market. What
could you tell him? -CORRECT ANSWER-- You appreciate the
opportunity and would be happy to schedule an
appointment with anyone at their request.
Mr. Nguyen understands that Medicare prescription drug plans can use a
formulary, or list of covered
drugs. He is suspicious about how plans establish these formularies.
AHIP FINAL EXAM TEST REAL EXAM QUESTIONS
AND ANSWERS 2026-27 LATEST UPDATED VERSION
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
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.
,2
Ms. Lee is enrolled in an MA-PD plan, but will be moving out of the
plan's service area next month.
She is worried that she will not be able to enroll in another plan available
in her new residence until
the Annual Election Period. What should you tell her? -CORRECT
ANSWER--
She is eligible for a Special Election Period that begins either the
month before her permanent move, if the plan is notified in
advance, or the month she provides notice of the move, and this
period typically lasts an additional two months.
Mr. Patel 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 as a result of an illness. In general terms, what
could you tell him about his
costs for inpatient hospital services under Original Medicare? -
CORRECT 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 perday 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
You market many different types of insurance and ordinarily you spend
time each evening calling
potential clients. To be in compliance with requirements for marketing
Medicare Advantage and Part
D plans, what must you do about contacting potential clients to market
those plans? -CORRECT ANSWER-- You will have to avoid calling
any potential client, unless he or she initiates
contact with you and specifically asks that you give him or her a call.
You are working with a number of plans and community
organizations to sponsor an educational
event. When putting together advertisements for this event, what
should you do? -CORRECT ANSWER-- You must ensure that the
,3
advertisements indicate it is an educational
event, otherwise it will be considered a marketing event.
, 4
Ms. Lopez is an independent agent under contract with MarketCo, a
third-party marketing
organization. MarketCo has a contract with BestCare health plan, a
Medicare Advantage (MA)
organization, to offer marketing services through its contracted agents
and agencies. Ms. Lopez
returns calls to individuals who contact MarketCo in response to its
mailers promoting BestCare
health plan. Which of the following best describes the responsibilities of
Ms. Lopez? -CORRECT ANSWER-- Ms. Lopez is considered a
marketing representative of BestCare and thus
is obligated to comply with CMS marketing requirements, including
those regarding using only approved call scripts.
Mrs. Young is currently enrolled in Original Medicare (Parts A and B),
but she has been working with
Agent Neil Adams in the selection of a Medicare Advantage (MA)
plan. It is mid-September, and Mrs.
Young is going on vacation. Agent Adams is considering suggesting
that he and Mrs. Young
complete the application together before she leaves. He will then submit
the paper application prior
the start of the annual enrollment period (AEP). What would you say If
you were advising Agent
Adams? -CORRECT ANSWER-- This is a bad idea. Agents are
generally prohibited from soliciting or
accepting an enrollment form prior to the start of the AEP.
Your friend's mother just moved to an assisted living facility and he
asked if you could present a
program for the residents about the MA-PD plans you market. What
could you tell him? -CORRECT ANSWER-- You appreciate the
opportunity and would be happy to schedule an
appointment with anyone at their request.
Mr. Nguyen understands that Medicare prescription drug plans can use a
formulary, or list of covered
drugs. He is suspicious about how plans establish these formularies.
