AHIP 2024 FINAL EXAMQUESTIONS
WITH CORECT ANSWERS 2025/2026
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Mrs.AParkAisAanAelderlyAretiree.AMrs.AParkAhasAaAlowAfixedAincome.AWhatAcouldAyouAtellAMrs.APa
rkAthatAmightAbeAofAassistance?A-
AcorrectAanswersSheAshouldAcontactAherAstateAMedicaidAagencyAtoAseeAifAsheAqualifiesAforprog
ramsAthatAcanAhelpAwithAMedicareAcostsAforAwhichAsheAisAresponsible.
MadelineAMartinezAwasAwidowedAseveralAyearsAago.AHerAhusbandAworkedAforAmanyAyearsAan
dAcontributedAintoAtheAMedicareAsystem.AHeAalsoAleftAaAsubstantialAestateAwhichAprovidesAMa
delineAwithAanAannualAincomeAofAapproximatelyA$130,000.AMadeline,AwhoAhasAonlyAworkedAp
art-
timeAforAtheAlastAthreeAyears,AwillAsoonAturnAageA65AandAhopesAtoAenrollAinAOriginalAMedicare.A
SheAcomesAtoAyouAforAadvice.AWhatAshouldAyouAtellAher?A-
AcorrectAanswersYouAshouldAtellAMadelineAthatAsheAwillAbeAableAtoAenrollAinAMedicareAPartAAAw
ithoutApayingAmonthlyApremiumsAdueAtoAherAhusband'sAlongAworkArecordAandAparticipationAin
AtheAMedicareAsystem.AYouAshouldAalsoAtellAMadelineAthatAsheAwillApayAPartABApremiumsAatAm
oreAthanAtheAstandardAlowestArateAbutAlessAthanAtheAhighestArateAdueAherAsubstantialAincome.
Mr.ABauerAisA49AyearsAold,AbutAeighteenAmonthsAagoAheAwasAdeclaredAdisabledAbyAtheASocialAS
ecurityAAdministrationAandAhasAbeenAreceivingAdisabilityApayments.AHeAisAwonderingAwhether
AheAcanAobtainAcoverageAunderAMedicare.AWhatAshouldAyouAtellAhimA-
AcorrectAanswersAfterAreceivingAsuchAdisabilityApaymentsAforA24Amonths,AheAwillAbeAautomatic
allyAenrolledAinAMedicare,AregardlessAofAage.
Mr.ASchmidtAwouldAlikeAtoAplanAforAretirementAandAhasAaskedAyouAwhatAisAcoveredAunderAOrigi
nalAFee-for-ServiceA(FFS)AMedicare?AWhatAcouldAyouAtellAhim?A-
AcorrectAanswersPartAA,AwhichAcoversAhospital,AskilledAnursingAfacility,AhospiceAandAhomeAheal
thAservicesAandAPartAB,AwhichAcoversAprofessionalAservicesAsuchAasAthoseAprovidedAbyAaAdocto
rAareAcoveredAunderAOriginalAMedicare.
Mrs.APeňaAisA66AyearsAold,AhasAcoverageAunderAanAemployerAplan,AandAwillAretireAnextAyear.ASh
eAheardAsheAmustAenrollAinAPartABAatAtheAbeginningAofAtheAyearAtoAensureAnoAgapAinAcoverage.A
WhatAcanAyouAtellAher?A-
AcorrectAanswersSheAmayAenrollAatAanyAtimeAwhileAsheAisAcoveredAunderAherAemployerAplan,Ab
utAsheAwillAhaveAaAspecialAeightAmonthAenrollmentAperiodAthatAdiffersAfromAtheAstandardAgene
ralAenrollmentAperiod,AduringAwhichAsheAmayAenrollAinAMedicareAPartAB.
AgentAJohnAMillerAisAmeetingAwithAJerryASmith,AaAnewAprospect.AJerryAisAcurrentlyAenrolledAinA
MedicareAPartsAAAandAB.AJerryAhasAalsoApurchasedAaAMedicareASupplementA(Medigap)AplanAw
hichAheAhasAhadAforAseveralAyears.AHowever,AtheAplanAdoesAnotAprovideAdrugAbenefits.AHowAw
ouldAyouAadviseAAgentAJohnAMillerAtoAproceed?A-
, correctAanswersTellAprospectAJerryASmithAthatAheAshouldAconsiderAaddingAaAstandaloneAPartA
A
DAprescriptionAdrugAcoverageApolicyAtoAhisApresentAcoverage.
Mr.ADiazAcontinuedAworkingAwithAhisAcompanyAandAwasAinsuredAunderAhisAemployer'sAgroupAp
lanAuntilAheAreachedAageA68.AHeAhasAheardAthatAthereAisAaApremiumApenaltyAforAthoseAwhoAdid
AnotAsignAupAforAPartABAwhenAfirstAeligibleAandAwantsAtoAknowAhowAmuchAheAwillAhaveAtoApay.A
WhatAshouldAyouAtellAhim?A-
AcorrectAanswersTheApenaltyAwillAbeAaApermanentA10%AincreaseAinAhisAPartABApremiumAforAeve
ryA12-monthAperiodAthatApassedAduringAwhichAheAcouldAhaveAenrolledAandAdidAnot.
Ms.AMooreAplansAtoAretireAwhenAsheAturnsA65AinAaAfewAmonths.ASheAisAinAexcellentAhealthAandA
willAhaveAconsiderableAincomeAwhenAsheAretires.ASheAisAconcernedAthatAherAincomeAwillAmake
AitAimpossibleAforAherAtoAqualifyAforAMedicare.AWhatAcouldAyouAtellAherAtoAaddressAherAconcer
n?A-
AcorrectAanswersMedicareAisAaAprogramAforApeopleAageA65AorAolderAandAthoseAunderAageA65Aw
ithAcertainAdisabilities,Aend-
stageArenalAdisease,AandALouAGehrig'sAdiseaseAsoAsheAwillAbeAeligibleAforAMedicare.
MildredASavageAenrolledAinAAllcareAMedicareAAdvantageAplanAseveralAyearsAago.AMildredArece
ntlyAlearnedAthatAsheAisAsufferingAfromAinoperableAcancerAandAhasAjustAaAfewAmonthsAtoAlive.AS
heAwouldAlikeAtoAspendAtheseAfinalAmonthsAinAhospiceAcare.AMildred'sAfamilyAasksAyouAwhethe
rAhospiceAbenefitsAwillAbeApaidAforAunderAtheAAllcareAMedicareAAdvantageAplan.AWhatAshouldA
youAsay?A-
AcorrectAanswersMildredAmayAremainAenrolledAinAAllcareAandAmakeAaAhospiceAelection.AHospic
eAbenefitsAwillAbeApaidAforAbyAOriginalAMedicareAunderAPartAAAandAAllcareAwillAcontinueAtoApay
AforAanyAnon-hospiceAservices.
Mr.AGomezAnotesAthatAaAPrivateAFee-for-
ServiceA(PFFS)AplanAavailableAinAhisAareaAhasAanAattractiveApremium.AHeAwantsAtoAknowAifAheA
mustAuseAdoctorsAinAaAnetworkAasAhisAcurrentAHMOAplanArequiresAhimAtoAdo.AWhatAshouldAyou
AtellAhim?A-
AcorrectAanswersHeAmayAreceiveAhealthAcareAservicesAfromAanyAdoctorAallowedAtoAbillAMedicar
e,AasAlongAasAheAshowsAtheAdoctorAtheAplan'sAidentificationAcardAandAtheAdoctorAagreesAtoAacc
eptAtheAPFFSAplan'sApaymentAtermsAandAconditions,AwhichAcouldAincludeAbalanceAbilling.
Mr.AKellyAwantsAtoAknowAwhetherAheAisAeligibleAtoAsignAupAforAaAPrivateAfee-for-
serviceA(PFFS)Aplan.AWhatAquestionsAwouldAyouAneedAtoAaskAtoAdetermineAhisAeligibility?A-
AcorrectAanswersYouAwouldAneedAtoAaskAMr.AKellyAifAheAisAenrolledAinAPartAAAandAPartABAandAifAh
eAlivesAinAtheAPFFSAplan'sAserviceAarea.
Mrs.AWangAwantsAtoAknowAgenerallyAhowAtheAbenefitsAunderAOriginalAMedicareAmightAcompa
reAtoAtheAbenefitsApackageAofAaAMedicareAAdvantageAPlanAbeforeAsheAstartsAlookingAatAspecific
Aplans.AWhatAcouldAyouAtellAher?A-
AcorrectAanswersMedicareAAdvantageAPlansAmayAofferAextraAbenefitsAthatAOriginalAMedicareAd
WITH CORECT ANSWERS 2025/2026
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Mrs.AParkAisAanAelderlyAretiree.AMrs.AParkAhasAaAlowAfixedAincome.AWhatAcouldAyouAtellAMrs.APa
rkAthatAmightAbeAofAassistance?A-
AcorrectAanswersSheAshouldAcontactAherAstateAMedicaidAagencyAtoAseeAifAsheAqualifiesAforprog
ramsAthatAcanAhelpAwithAMedicareAcostsAforAwhichAsheAisAresponsible.
MadelineAMartinezAwasAwidowedAseveralAyearsAago.AHerAhusbandAworkedAforAmanyAyearsAan
dAcontributedAintoAtheAMedicareAsystem.AHeAalsoAleftAaAsubstantialAestateAwhichAprovidesAMa
delineAwithAanAannualAincomeAofAapproximatelyA$130,000.AMadeline,AwhoAhasAonlyAworkedAp
art-
timeAforAtheAlastAthreeAyears,AwillAsoonAturnAageA65AandAhopesAtoAenrollAinAOriginalAMedicare.A
SheAcomesAtoAyouAforAadvice.AWhatAshouldAyouAtellAher?A-
AcorrectAanswersYouAshouldAtellAMadelineAthatAsheAwillAbeAableAtoAenrollAinAMedicareAPartAAAw
ithoutApayingAmonthlyApremiumsAdueAtoAherAhusband'sAlongAworkArecordAandAparticipationAin
AtheAMedicareAsystem.AYouAshouldAalsoAtellAMadelineAthatAsheAwillApayAPartABApremiumsAatAm
oreAthanAtheAstandardAlowestArateAbutAlessAthanAtheAhighestArateAdueAherAsubstantialAincome.
Mr.ABauerAisA49AyearsAold,AbutAeighteenAmonthsAagoAheAwasAdeclaredAdisabledAbyAtheASocialAS
ecurityAAdministrationAandAhasAbeenAreceivingAdisabilityApayments.AHeAisAwonderingAwhether
AheAcanAobtainAcoverageAunderAMedicare.AWhatAshouldAyouAtellAhimA-
AcorrectAanswersAfterAreceivingAsuchAdisabilityApaymentsAforA24Amonths,AheAwillAbeAautomatic
allyAenrolledAinAMedicare,AregardlessAofAage.
Mr.ASchmidtAwouldAlikeAtoAplanAforAretirementAandAhasAaskedAyouAwhatAisAcoveredAunderAOrigi
nalAFee-for-ServiceA(FFS)AMedicare?AWhatAcouldAyouAtellAhim?A-
AcorrectAanswersPartAA,AwhichAcoversAhospital,AskilledAnursingAfacility,AhospiceAandAhomeAheal
thAservicesAandAPartAB,AwhichAcoversAprofessionalAservicesAsuchAasAthoseAprovidedAbyAaAdocto
rAareAcoveredAunderAOriginalAMedicare.
Mrs.APeňaAisA66AyearsAold,AhasAcoverageAunderAanAemployerAplan,AandAwillAretireAnextAyear.ASh
eAheardAsheAmustAenrollAinAPartABAatAtheAbeginningAofAtheAyearAtoAensureAnoAgapAinAcoverage.A
WhatAcanAyouAtellAher?A-
AcorrectAanswersSheAmayAenrollAatAanyAtimeAwhileAsheAisAcoveredAunderAherAemployerAplan,Ab
utAsheAwillAhaveAaAspecialAeightAmonthAenrollmentAperiodAthatAdiffersAfromAtheAstandardAgene
ralAenrollmentAperiod,AduringAwhichAsheAmayAenrollAinAMedicareAPartAB.
AgentAJohnAMillerAisAmeetingAwithAJerryASmith,AaAnewAprospect.AJerryAisAcurrentlyAenrolledAinA
MedicareAPartsAAAandAB.AJerryAhasAalsoApurchasedAaAMedicareASupplementA(Medigap)AplanAw
hichAheAhasAhadAforAseveralAyears.AHowever,AtheAplanAdoesAnotAprovideAdrugAbenefits.AHowAw
ouldAyouAadviseAAgentAJohnAMillerAtoAproceed?A-
, correctAanswersTellAprospectAJerryASmithAthatAheAshouldAconsiderAaddingAaAstandaloneAPartA
A
DAprescriptionAdrugAcoverageApolicyAtoAhisApresentAcoverage.
Mr.ADiazAcontinuedAworkingAwithAhisAcompanyAandAwasAinsuredAunderAhisAemployer'sAgroupAp
lanAuntilAheAreachedAageA68.AHeAhasAheardAthatAthereAisAaApremiumApenaltyAforAthoseAwhoAdid
AnotAsignAupAforAPartABAwhenAfirstAeligibleAandAwantsAtoAknowAhowAmuchAheAwillAhaveAtoApay.A
WhatAshouldAyouAtellAhim?A-
AcorrectAanswersTheApenaltyAwillAbeAaApermanentA10%AincreaseAinAhisAPartABApremiumAforAeve
ryA12-monthAperiodAthatApassedAduringAwhichAheAcouldAhaveAenrolledAandAdidAnot.
Ms.AMooreAplansAtoAretireAwhenAsheAturnsA65AinAaAfewAmonths.ASheAisAinAexcellentAhealthAandA
willAhaveAconsiderableAincomeAwhenAsheAretires.ASheAisAconcernedAthatAherAincomeAwillAmake
AitAimpossibleAforAherAtoAqualifyAforAMedicare.AWhatAcouldAyouAtellAherAtoAaddressAherAconcer
n?A-
AcorrectAanswersMedicareAisAaAprogramAforApeopleAageA65AorAolderAandAthoseAunderAageA65Aw
ithAcertainAdisabilities,Aend-
stageArenalAdisease,AandALouAGehrig'sAdiseaseAsoAsheAwillAbeAeligibleAforAMedicare.
MildredASavageAenrolledAinAAllcareAMedicareAAdvantageAplanAseveralAyearsAago.AMildredArece
ntlyAlearnedAthatAsheAisAsufferingAfromAinoperableAcancerAandAhasAjustAaAfewAmonthsAtoAlive.AS
heAwouldAlikeAtoAspendAtheseAfinalAmonthsAinAhospiceAcare.AMildred'sAfamilyAasksAyouAwhethe
rAhospiceAbenefitsAwillAbeApaidAforAunderAtheAAllcareAMedicareAAdvantageAplan.AWhatAshouldA
youAsay?A-
AcorrectAanswersMildredAmayAremainAenrolledAinAAllcareAandAmakeAaAhospiceAelection.AHospic
eAbenefitsAwillAbeApaidAforAbyAOriginalAMedicareAunderAPartAAAandAAllcareAwillAcontinueAtoApay
AforAanyAnon-hospiceAservices.
Mr.AGomezAnotesAthatAaAPrivateAFee-for-
ServiceA(PFFS)AplanAavailableAinAhisAareaAhasAanAattractiveApremium.AHeAwantsAtoAknowAifAheA
mustAuseAdoctorsAinAaAnetworkAasAhisAcurrentAHMOAplanArequiresAhimAtoAdo.AWhatAshouldAyou
AtellAhim?A-
AcorrectAanswersHeAmayAreceiveAhealthAcareAservicesAfromAanyAdoctorAallowedAtoAbillAMedicar
e,AasAlongAasAheAshowsAtheAdoctorAtheAplan'sAidentificationAcardAandAtheAdoctorAagreesAtoAacc
eptAtheAPFFSAplan'sApaymentAtermsAandAconditions,AwhichAcouldAincludeAbalanceAbilling.
Mr.AKellyAwantsAtoAknowAwhetherAheAisAeligibleAtoAsignAupAforAaAPrivateAfee-for-
serviceA(PFFS)Aplan.AWhatAquestionsAwouldAyouAneedAtoAaskAtoAdetermineAhisAeligibility?A-
AcorrectAanswersYouAwouldAneedAtoAaskAMr.AKellyAifAheAisAenrolledAinAPartAAAandAPartABAandAifAh
eAlivesAinAtheAPFFSAplan'sAserviceAarea.
Mrs.AWangAwantsAtoAknowAgenerallyAhowAtheAbenefitsAunderAOriginalAMedicareAmightAcompa
reAtoAtheAbenefitsApackageAofAaAMedicareAAdvantageAPlanAbeforeAsheAstartsAlookingAatAspecific
Aplans.AWhatAcouldAyouAtellAher?A-
AcorrectAanswersMedicareAAdvantageAPlansAmayAofferAextraAbenefitsAthatAOriginalAMedicareAd
