AHIP FINAL EXAM 2023-2024 LATEST
AHIP TEST EXAM QUESTIONS AND
CORRECT ANSWERS
RATED A+
Agent Harriet Walker has recently begun marketing Medicare Advantage and related
products aimed at meeting the needs of senior citizens. Client Mildred Jones has
expressed interest in a Medicare Advantage plan. It is now the beginning of
September. If you were in Agent Walker's position, what would you do? Correct
Answer: Inquire whether the client qualifies for a special enrollment period, andif not,
solicit an enrollment application once the annual open enrollment election period
begins on October 15th.
Mrs. Fields wants to know whether applying for the Part D low income subsidy will be
worth the time to fill out the paperwork. What could you tell her? Correct Answer: The
Part D low income subsidy could substantially lower her overall costs. She can apply
by contacting her state Medicaid office, or calling theSocial Security Administration
Mr. Wendt suffers from diabetes which has gotten progressively worse during the last
year. He is currently enrolled in Original Medicare (Parts A and B) and a Part D
prescription drug plan and did not enroll in a Medicare Advantage (MA) plan during the
last annual open enrollment period (AEP) which hasjust closed. Mr.
Wendt has heard certain MA plans might provide him with more specialized coverage
for his diabetes and wants to know if he must wait until the next annual open
enrollment period (AEP) before enrolling in such a plan. What should you tell him?
Correct Answer: If there is a special needs plan (SNP) in Mr. Wendt's area that
specializes in caring for individuals with diabetes, he may enroll in the SNP at any time
under a special election period (SEP)
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 herto qualify for Medicare. What could you tell her to address
her concern? Correct Answer: Medicare is aprogram 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
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.
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage plan, the
health plan may, at some time in the future, reduce his benefits below what is available
in Original Medicare. What should you tell him about his concern?
Correct Answer: Medicare health plans must cover all benefits availableunder
Medicare Part A and Part B. Many also cover Part D prescription drugs.
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a few
weeks. She concernedabout having prescription drug coverage. Which of the following
statements provides the best advice?
Correct Answer: Prescription drug coverage can be obtained by enrolling in a Medicare
Advantage planthat includes Part D coverage.
Mrs. Willard wants to know generally how the benefits under Original Medicare might
compare to the benefit package of a Medicare Health Plan before she starts looking at
specific plans. What could you tellher? Correct Answer: Medicare Health Plans may offer
extra benefits that Original Medicare does not
,offer such as vision, hearing, and dental services and must include a maximum out- of-
pocket limit onPart A and Part B services.
Mr. Meoni'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.Meoni? Correct Answer:
Medicare Supplemental Insurance would help cover his Part Aand Part B cost sharing
in Original Fee-for-Service (FFS) Medicare as well as possibly some services that
Medicare does not cover.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed full
time, and paid taxes during that entire period. She is concerned that she will not qualify
for coverage under part A because she was not born in the United States. What should
you tell her? Correct Answer: Most individuals who are citizens and over age 65 are
covered under Part A by virtue of having paid Medicaretaxes while working, though
some may be covered as a result of paying monthly premiums.
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 disabilitypayments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
Mr. Davis is 49 years old and has been receiving disability benefits from the Social
Security Administration for 12 months. Can you sell him a Medicare Advantage or Part
D Prescription Drug policy? Correct Answer: No, he cannot purchase a Medicare
Advantage or Part D policy because he has not received Social Security or Railroad
Retirement disability benefits for 24 months.
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 youtell her? Correct Answer: In order to obtain Part B
coverage, she must pay a standard monthly premium, though it is higher for individuals
with higher incomes.
Mr. Diaz continued working with his company and was insured under his employer's
group plan until hereached age 68. He has heard that there is a premium penalty for
those who did not sign up for Part B when first eligible and wants to know how much
he will have to pay. What should you tell him? Correct Answer: Mr. Diaz will not pay
any penalty because he had continuous coverage under his employer's plan.
, Mrs. Peňa is 66 years old, has coverage under an employer plan and will retire next
year. She heard she must enroll in Part B at the beginning of the year to ensure no gap
in coverage. What can you tell her? Correct Answer: She may enroll at any time while
she is covered under her employer plan, but she will have a special eight- month
enrollment period that differs from the standard general enrollment period, during which
she may enroll in Medicare Part B.
Mrs. Kelly is entitled to Part A, but is not yet enrolled in Part B. She is considering
enrollment in a Medicare health plan. What should you advise her to do before she will
be able to enroll into a Medicarehealth plan? Correct Answer: In order to join a Medicare
health plan, she also must enroll in Part B.
AHIP TEST EXAM QUESTIONS AND
CORRECT ANSWERS
RATED A+
Agent Harriet Walker has recently begun marketing Medicare Advantage and related
products aimed at meeting the needs of senior citizens. Client Mildred Jones has
expressed interest in a Medicare Advantage plan. It is now the beginning of
September. If you were in Agent Walker's position, what would you do? Correct
Answer: Inquire whether the client qualifies for a special enrollment period, andif not,
solicit an enrollment application once the annual open enrollment election period
begins on October 15th.
Mrs. Fields wants to know whether applying for the Part D low income subsidy will be
worth the time to fill out the paperwork. What could you tell her? Correct Answer: The
Part D low income subsidy could substantially lower her overall costs. She can apply
by contacting her state Medicaid office, or calling theSocial Security Administration
Mr. Wendt suffers from diabetes which has gotten progressively worse during the last
year. He is currently enrolled in Original Medicare (Parts A and B) and a Part D
prescription drug plan and did not enroll in a Medicare Advantage (MA) plan during the
last annual open enrollment period (AEP) which hasjust closed. Mr.
Wendt has heard certain MA plans might provide him with more specialized coverage
for his diabetes and wants to know if he must wait until the next annual open
enrollment period (AEP) before enrolling in such a plan. What should you tell him?
Correct Answer: If there is a special needs plan (SNP) in Mr. Wendt's area that
specializes in caring for individuals with diabetes, he may enroll in the SNP at any time
under a special election period (SEP)
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 herto qualify for Medicare. What could you tell her to address
her concern? Correct Answer: Medicare is aprogram 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
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.
Mr. Hernandez is concerned that if he signs up for a Medicare Advantage plan, the
health plan may, at some time in the future, reduce his benefits below what is available
in Original Medicare. What should you tell him about his concern?
Correct Answer: Medicare health plans must cover all benefits availableunder
Medicare Part A and Part B. Many also cover Part D prescription drugs.
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a few
weeks. She concernedabout having prescription drug coverage. Which of the following
statements provides the best advice?
Correct Answer: Prescription drug coverage can be obtained by enrolling in a Medicare
Advantage planthat includes Part D coverage.
Mrs. Willard wants to know generally how the benefits under Original Medicare might
compare to the benefit package of a Medicare Health Plan before she starts looking at
specific plans. What could you tellher? Correct Answer: Medicare Health Plans may offer
extra benefits that Original Medicare does not
,offer such as vision, hearing, and dental services and must include a maximum out- of-
pocket limit onPart A and Part B services.
Mr. Meoni'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.Meoni? Correct Answer:
Medicare Supplemental Insurance would help cover his Part Aand Part B cost sharing
in Original Fee-for-Service (FFS) Medicare as well as possibly some services that
Medicare does not cover.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed full
time, and paid taxes during that entire period. She is concerned that she will not qualify
for coverage under part A because she was not born in the United States. What should
you tell her? Correct Answer: Most individuals who are citizens and over age 65 are
covered under Part A by virtue of having paid Medicaretaxes while working, though
some may be covered as a result of paying monthly premiums.
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 disabilitypayments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
Mr. Davis is 49 years old and has been receiving disability benefits from the Social
Security Administration for 12 months. Can you sell him a Medicare Advantage or Part
D Prescription Drug policy? Correct Answer: No, he cannot purchase a Medicare
Advantage or Part D policy because he has not received Social Security or Railroad
Retirement disability benefits for 24 months.
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 youtell her? Correct Answer: In order to obtain Part B
coverage, she must pay a standard monthly premium, though it is higher for individuals
with higher incomes.
Mr. Diaz continued working with his company and was insured under his employer's
group plan until hereached age 68. He has heard that there is a premium penalty for
those who did not sign up for Part B when first eligible and wants to know how much
he will have to pay. What should you tell him? Correct Answer: Mr. Diaz will not pay
any penalty because he had continuous coverage under his employer's plan.
, Mrs. Peňa is 66 years old, has coverage under an employer plan and will retire next
year. She heard she must enroll in Part B at the beginning of the year to ensure no gap
in coverage. What can you tell her? Correct Answer: She may enroll at any time while
she is covered under her employer plan, but she will have a special eight- month
enrollment period that differs from the standard general enrollment period, during which
she may enroll in Medicare Part B.
Mrs. Kelly is entitled to Part A, but is not yet enrolled in Part B. She is considering
enrollment in a Medicare health plan. What should you advise her to do before she will
be able to enroll into a Medicarehealth plan? Correct Answer: In order to join a Medicare
health plan, she also must enroll in Part B.
