AHIP Final & Module 1–5 Test 2027 Bank | Updated Questions
and Answers Review with A+ Solutions
Question 1.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the
Medicare Part D Prescription Drug program and he is wondering if there is any other
option he has for obtaining help with his considerable drug costs. What should you tell
him?
Correct Answer: He could check with the manufacturers of his medications to
see if they offer an assistance program to help people with limited means
obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with his
expenses.
Question 2.
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you represent. It
is one of three plans operated by the same organization in Mr. Lombardi's area. The MA
PPO plan does not include drug coverage, but the other two plans do. Mr. Lombardi likes
the PPO plan that does not include drug coverage and intends to obtain his drug
coverage through a stand-alone Medicare prescription drug plan. What should you tell
him about this situation?
Correct Answer: He could enroll in one of the MA plans that include
prescription drug coverage or a Medigap plan and a stand-alone prescription
drug plan, but he cannot enroll in the MA- only PPO plan and a stand-alone
prescription drug plan.
Question 3.
Mr. Torres has a small savings account. He would like to pay for his monthly Part D
premiums with an automatic monthly withdrawal from his savings account until it is
exhausted, and then have his premiums withheld from his Social Security check. What
should you tell him?
Correct Answer: In general, he must select a single Part D premium payment
mechanism that will be used throughout the year.
Question 4.
Agent Jennings makes a presentation on Medicare advertised as an educational event.
Agent Jennings distributes materials that are solely educational in nature. However, she
gives a brief presentation that mentions plan-specific premiums. Is this a prohibited
activity at an event that has been advertised as educational?
Correct Answer: Yes. When an event has been advertised as "educational,"
discussing plan-specific premiums is impermissible.
, Question 5.
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare
prescription drug plan because, although she is entitled to Part A, she is not enrolled
under Medicare Part B. What should you tell her?
Correct Answer: Everyone who is entitled to Part A or enrolled under Part B is
eligible to enroll in a Medicare prescription drug plan. As long as Mrs. Mulcahy
is entitled to Part A, she does not need to enroll under Part B before enrolling
in a prescription drug plan.
Question 6.
Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit,
but when he looks at information on various plans available in his area, he sees a wide
range in what they charge for deductibles, premiums and cost sharing. How can you
explain this to him?
Correct Answer: Medicare Part D drug plans may have different benefit
structures, but on average, they must all be at least as good as the standard
model established by the government.
• Ms. Moore 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 or Lou Gehrig's disease, so she will be
eligible for Medicare.
Question 7.
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC Health
Plan, a Medicare Advantage (MA) plan that offers plans in multiple states. XYZ Agency
maintains a website marketing the MA plans with which it has contracts. Agent
Armstrong follows up with individuals who request more information about ABC MA
plans via the website and tries to persuade them to enroll in ABC plans. What statement
best describes the marketing and compliance rules that apply to Agent Armstrong?
Correct Answer: Agent Armstrong needs to be licensed and appointed in every
state in which beneficiaries to whom he markets ABC MA plans are located.
Question 8.
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?
Correct Answer: 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.
and Answers Review with A+ Solutions
Question 1.
Mr. Bickford did not quite qualify for the extra help low-income subsidy under the
Medicare Part D Prescription Drug program and he is wondering if there is any other
option he has for obtaining help with his considerable drug costs. What should you tell
him?
Correct Answer: He could check with the manufacturers of his medications to
see if they offer an assistance program to help people with limited means
obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with his
expenses.
Question 2.
Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you represent. It
is one of three plans operated by the same organization in Mr. Lombardi's area. The MA
PPO plan does not include drug coverage, but the other two plans do. Mr. Lombardi likes
the PPO plan that does not include drug coverage and intends to obtain his drug
coverage through a stand-alone Medicare prescription drug plan. What should you tell
him about this situation?
Correct Answer: He could enroll in one of the MA plans that include
prescription drug coverage or a Medigap plan and a stand-alone prescription
drug plan, but he cannot enroll in the MA- only PPO plan and a stand-alone
prescription drug plan.
Question 3.
Mr. Torres has a small savings account. He would like to pay for his monthly Part D
premiums with an automatic monthly withdrawal from his savings account until it is
exhausted, and then have his premiums withheld from his Social Security check. What
should you tell him?
Correct Answer: In general, he must select a single Part D premium payment
mechanism that will be used throughout the year.
Question 4.
Agent Jennings makes a presentation on Medicare advertised as an educational event.
Agent Jennings distributes materials that are solely educational in nature. However, she
gives a brief presentation that mentions plan-specific premiums. Is this a prohibited
activity at an event that has been advertised as educational?
Correct Answer: Yes. When an event has been advertised as "educational,"
discussing plan-specific premiums is impermissible.
, Question 5.
Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare
prescription drug plan because, although she is entitled to Part A, she is not enrolled
under Medicare Part B. What should you tell her?
Correct Answer: Everyone who is entitled to Part A or enrolled under Part B is
eligible to enroll in a Medicare prescription drug plan. As long as Mrs. Mulcahy
is entitled to Part A, she does not need to enroll under Part B before enrolling
in a prescription drug plan.
Question 6.
Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit,
but when he looks at information on various plans available in his area, he sees a wide
range in what they charge for deductibles, premiums and cost sharing. How can you
explain this to him?
Correct Answer: Medicare Part D drug plans may have different benefit
structures, but on average, they must all be at least as good as the standard
model established by the government.
• Ms. Moore 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 or Lou Gehrig's disease, so she will be
eligible for Medicare.
Question 7.
Agent Armstrong is employed by XYZ Agency, which is under contract with ABC Health
Plan, a Medicare Advantage (MA) plan that offers plans in multiple states. XYZ Agency
maintains a website marketing the MA plans with which it has contracts. Agent
Armstrong follows up with individuals who request more information about ABC MA
plans via the website and tries to persuade them to enroll in ABC plans. What statement
best describes the marketing and compliance rules that apply to Agent Armstrong?
Correct Answer: Agent Armstrong needs to be licensed and appointed in every
state in which beneficiaries to whom he markets ABC MA plans are located.
Question 8.
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?
Correct Answer: 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.
