AHIP Final Exam Test Questions with
correct answers
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 ANSWERS-Agent Armstrong needs to be licensed and appointed in every
state in which beneficiaries to whom he markets ABC MA plans are located.
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 ANSWERS-
Yes. When an event has been advertised as "educational," discussing plan-specific
premiums is impermissible.
Agent Martinez wishes to solicit Medicare Advantage prospects through e-mail and asks
you for advice as to whether this is possible. What should you tell her? - CORRECT
ANSWERS-Marketing representatives may initiate electronic contact through e-mail but
the subject line must say "marketing" and an opt-out process must be provided.
Alice is enrolled in a MA-PD plan. She makes a permanent move across the country
and wonders what her options are for continuing MA-PD coverage. What would you say
to her in regard to a special enrollment period (SEP)? - CORRECT ANSWERS-She is
likely to qualify for a SEP. She can choose an effective date of up to three months after
the month in which the enrollment form is received by the new plan, but the effective
date may not be earlier than the date of her permanent move.
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 ANSWERS-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.
During a sales presentation, your client asks you whether the Medicare agency
recommends that she sign up for your plan or stay in Original Medicare. What should
you tell her? - CORRECT ANSWERS-Tell her that the Medicare agency does not
endorse or recommend any plan.
Mr. and Mrs. Nunez attended one of your sales presentations. They've asked you to
come to their home to clear up a few questions. During the presentation, Mrs. Nunez
feels tired and tells you that her husband can finish things up. She goes to bed. At the
end of your discussion, Mr. Nunez says that he wants to enroll both himself and his
wife. What should you do? - CORRECT ANSWERS-As long as she is able to do so,
only Mrs. Nunez can sign her enrollment form. Mrs. Nunez will have to wake up to sign
her form or do so at another time.
Mr. Barker enjoys a comfortable retirement income. He recently had surgery and
expected that he would have certain services and items covered by the plan with
minimal out-of-pocket costs because his MA-PD coverage has been very good.
However, when he received the bill, he was surprised to see large charges in excess of
his maximum out-of-pocket limit that included a number of services and items he
thought would be fully covered. He called you to ask what he could do? What could you
tell him? - CORRECT ANSWERS-You can offer to review the plans appeal process to
help him ask the plan to review the coverage decision.
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 ANSWERS-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.
Mr. Castillo, a naturalized citizen, previously enrolled in Medicare Part B but has
recently stopped paying his Part B premium. Mr. Castillo is still covered by Part A. He
would like to enroll in a Medicare Advantage (MA) plan and is still covered by Part A.
What should you tell him? - CORRECT ANSWERS-He is not eligible to enroll in a
Medicare Advantage plan until he re-enrolls in Medicare Part B.
Mr. Chen has heard about Medical Savings Account (MSA), but wants to know if it is
just about saving money, or if he will get insurance coverage for his health care
expenditures as well. What should you tell him? - CORRECT ANSWERS-Under the
Medicare Advantage program. an MSA plan involves the combination of high deductible
health plan and savings account for health expenses. Medicare will make contributions
to this savings account to help him pay his health care expenses while in the deductible.
correct answers
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 ANSWERS-Agent Armstrong needs to be licensed and appointed in every
state in which beneficiaries to whom he markets ABC MA plans are located.
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 ANSWERS-
Yes. When an event has been advertised as "educational," discussing plan-specific
premiums is impermissible.
Agent Martinez wishes to solicit Medicare Advantage prospects through e-mail and asks
you for advice as to whether this is possible. What should you tell her? - CORRECT
ANSWERS-Marketing representatives may initiate electronic contact through e-mail but
the subject line must say "marketing" and an opt-out process must be provided.
Alice is enrolled in a MA-PD plan. She makes a permanent move across the country
and wonders what her options are for continuing MA-PD coverage. What would you say
to her in regard to a special enrollment period (SEP)? - CORRECT ANSWERS-She is
likely to qualify for a SEP. She can choose an effective date of up to three months after
the month in which the enrollment form is received by the new plan, but the effective
date may not be earlier than the date of her permanent move.
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 ANSWERS-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.
During a sales presentation, your client asks you whether the Medicare agency
recommends that she sign up for your plan or stay in Original Medicare. What should
you tell her? - CORRECT ANSWERS-Tell her that the Medicare agency does not
endorse or recommend any plan.
Mr. and Mrs. Nunez attended one of your sales presentations. They've asked you to
come to their home to clear up a few questions. During the presentation, Mrs. Nunez
feels tired and tells you that her husband can finish things up. She goes to bed. At the
end of your discussion, Mr. Nunez says that he wants to enroll both himself and his
wife. What should you do? - CORRECT ANSWERS-As long as she is able to do so,
only Mrs. Nunez can sign her enrollment form. Mrs. Nunez will have to wake up to sign
her form or do so at another time.
Mr. Barker enjoys a comfortable retirement income. He recently had surgery and
expected that he would have certain services and items covered by the plan with
minimal out-of-pocket costs because his MA-PD coverage has been very good.
However, when he received the bill, he was surprised to see large charges in excess of
his maximum out-of-pocket limit that included a number of services and items he
thought would be fully covered. He called you to ask what he could do? What could you
tell him? - CORRECT ANSWERS-You can offer to review the plans appeal process to
help him ask the plan to review the coverage decision.
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 ANSWERS-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.
Mr. Castillo, a naturalized citizen, previously enrolled in Medicare Part B but has
recently stopped paying his Part B premium. Mr. Castillo is still covered by Part A. He
would like to enroll in a Medicare Advantage (MA) plan and is still covered by Part A.
What should you tell him? - CORRECT ANSWERS-He is not eligible to enroll in a
Medicare Advantage plan until he re-enrolls in Medicare Part B.
Mr. Chen has heard about Medical Savings Account (MSA), but wants to know if it is
just about saving money, or if he will get insurance coverage for his health care
expenditures as well. What should you tell him? - CORRECT ANSWERS-Under the
Medicare Advantage program. an MSA plan involves the combination of high deductible
health plan and savings account for health expenses. Medicare will make contributions
to this savings account to help him pay his health care expenses while in the deductible.
