AHIP Final & Module 1–5 Test Bank | Complete UPDATED
ACTUAL Exam Questions and CORRECT Answers Graded A+
Guaranteed Pass
Question 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?
Correct Answer: Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present coverage.
Question 2.
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?
Correct Answer: Mr. Wu may still qualify for help in paying Part D costs
through his State Pharmaceutical Assistance Program (SPAP).
Question 3.
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?
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 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.
Question 4.
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?
Correct Answer: 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.
,Question 5.
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?
Correct 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. 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.
Question 6.
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?
Correct 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.
Question 7.
Mr. Singh would like drug coverage but does not want to be enrolled in a Medicare
Advantage plan. What should you tell him?
Correct Answer: 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.
Question 8.
Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income. What could you tell
Mrs. Cook that might be of assistance?
, Correct Answer: 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.
Question 9.
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?
Correct Answer: After receiving such disability payments for 24 months, he
will be automatically enrolled in Medicare, regardless of age.
Question 10.
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.
Question 11.
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 declared this to be a natural disaster which has
recently ended. During this period Anthony's initial enrollment period expired. Anthony
asks you how he can now obtain Medicare coverage. What should you say?
Correct Answer: Anthony is eligible for a special enrollment period (SEP)
because he missed an enrollment period due to the impact of the Federally
declared disaster. This SEP will allow Anthony to enroll in Part B up to six
months after the end of the emergency declaration. Anthony may enroll in
premium-free Part A at any time and his Part A coverage will be retroactive for
up to 6 months.
Question 12.
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?
ACTUAL Exam Questions and CORRECT Answers Graded A+
Guaranteed Pass
Question 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?
Correct Answer: Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present coverage.
Question 2.
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?
Correct Answer: Mr. Wu may still qualify for help in paying Part D costs
through his State Pharmaceutical Assistance Program (SPAP).
Question 3.
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?
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 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.
Question 4.
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?
Correct Answer: 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.
,Question 5.
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?
Correct 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. 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.
Question 6.
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?
Correct 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.
Question 7.
Mr. Singh would like drug coverage but does not want to be enrolled in a Medicare
Advantage plan. What should you tell him?
Correct Answer: 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.
Question 8.
Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income. What could you tell
Mrs. Cook that might be of assistance?
, Correct Answer: 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.
Question 9.
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?
Correct Answer: After receiving such disability payments for 24 months, he
will be automatically enrolled in Medicare, regardless of age.
Question 10.
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.
Question 11.
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 declared this to be a natural disaster which has
recently ended. During this period Anthony's initial enrollment period expired. Anthony
asks you how he can now obtain Medicare coverage. What should you say?
Correct Answer: Anthony is eligible for a special enrollment period (SEP)
because he missed an enrollment period due to the impact of the Federally
declared disaster. This SEP will allow Anthony to enroll in Part B up to six
months after the end of the emergency declaration. Anthony may enroll in
premium-free Part A at any time and his Part A coverage will be retroactive for
up to 6 months.
Question 12.
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?
