AHIP TEST QUESTIONS WITH CORRECT ANSWERS 2025.

AHIP TEST QUESTIONS WITH
CORRECT ANSWERS 2025/2026
Mr.ABauerAisA49AyearsAold,AbutAeighteenAmonthsAagoAheAwasAdeclaredAdisabledAbyAtheASocialAS
ecurityAAdministrationAandAhasAbeenAreceivingAdisabilityApayments.AHeAisAwonderingAwhether
AheAcanAobtainAcoverageAunderAMedicare.AWhatAshouldAyouAtellAhim?A-


AcorrectAanswersAfterAreceivingAsuchAdisabilityApaymentsAforA24Amonths,AheAwillAbeAautomatic


allyAenrolledAinAMedicare,AregardlessAofAage.

Mrs.AParkAisAanAelderlyAretiree.AMrs.AParkAhasAaAlowAfixedAincome.AWhatAcouldAyouAtellAMrs.APa
rkAthatAmightAbeAofAassistance?A-
AcorrectAanswersSheAshouldAcontactAherAstateAMedicaidAagencyAtoAseeAifAsheAqualifiesAforAoneA


ofAseveralAprogramsAthatAcanAhelpAwithAMedicareAcostsAforAwhichAsheAisAresponsible.

Mr.AXiAwillAsoonAturnAageA65AandAhasAcomeAtoAyouAforAadviceAasAtoAwhatAservicesAareAprovided
AunderAOriginalAMedicare.AWhatAshouldAyouAtellAMr.AXiAthatAbestAdescribesAtheAhealthAcoverag


eAprovidedAtoAMedicareAbeneficiaries?A-
AcorrectAanswersBeneficiariesAunderAOriginalAMedicareAhaveAnoAcost-


sharingAforAmostApreventiveAservicesAwhichAincludeAimmunizationsAsuchAasAannualAfluAshots.

AgentAJohnAMillerAisAmeetingAwithAJerryASmith,AaAnewAprospect.AJerryAisAcurrentlyAenrolledAinA
MedicareAPartsAAAandAB.AJerryAhasAalsoApurchasedAaAMedicareASupplementA(Medigap)AplanAw
hichAheAhasAhadAforAseveralAyears.AHowever,AtheAplanAdoesAnotAprovideAdrugAbenefits.AHowAw
ouldAyouAadviseAAgentAJohnAMillerAtoAproceed?A-
AcorrectAanswersTellAprospectAJerryASmithAthatAheAshouldAconsiderAaddingAaAstandaloneAPartA


DAprescriptionAdrugAcoverageApolicyAtoAhisApresentAcoverage.

Mr.AWuAisAeligibleAforAMedicare.AHeAhasAlimitedAfinancialAresourcesAbutAfailedAtoAqualifyAforAth
eAPartADAlow-
incomeAsubsidy.AWhereAmightAheAturnAforAhelpAwithAhisAprescriptionAdrugAcosts?A-
AcorrectAanswersMr.AWuAmayAstillAqualifyAforAhelpAinApayingAPartADAcostsAthroughAhisAStateAPha


rmaceuticalAAssistanceAProgram.

Ms.AHendersonAbelievesAthatAsheAwillAqualifyAforAMedicareACoverageAwhenAsheAturnsA65,Awith
outApayingAanyApremiums,AbecauseAsheAhasAbeenAworkingAforA40AyearsAandApayingAMedicareAt
axes.AWhatAshouldAyouAtellAher?A-
AcorrectAanswersToAobtainAPartABAcoverage,AsheAmustApayAaAstandardAmonthlyApremium,Athou


ghAitAisAhigherAforAindividualsAwithAhigherAincomes.

Mr.ADiazAcontinuedAworkingAwithAhisAcompanyAandAwasAinsuredAunderAhisAemployer'sAgroupAp
lanAuntilAheAreachedAageA68.AHeAhasAheardAthatAthereAisAaApremiumApenaltyAforAthoseAwhoAdid
AnotAsignAupAforAPartABAwhenAfirstAeligibleAandAwantsAtoAknowAhowAmuchAheAwillAhaveAtoApay.A


WhatAshouldAyouAtellAhim?A-

, AcorrectAanswersMr.ADiazAwillAnotApayAanyApenaltyAbecauseAheAhadAcontinuousAcoverageAunde
rAhisAemployer'sAplan.

Mrs.APeňaAisA66AyearsAold,AhasAcoverageAunderAanAemployerAplan,AandAwillAretireAnextAyear.ASh
eAheardAsheAmustAenrollAinAPartABAatAtheAbeginningAofAtheAyearAtoAensureAnoAgapAinAcoverage.A
WhatAcanAyouAtellAher?A-
AcorrectAanswersSheAmayAenrollAatAanyAtimeAwhileAsheAisAcoveredAunderAherAemployerAplan,Ab


utAsheAwillAhaveAaAspecialAeight-
monthAenrollmentAperiodAafterAtheAlastAmonthAonAherAemployerAplanAthatAdiffersAfromAtheAst
andardAgeneralAenrollmentAperiod,AduringAwhichAsheAmayAenrollAinAMedicareAPartAB.

Mr.AMoy'sAwifeAhasAaAMedicareAAdvantageAplan,AbutAheAwantsAtoAunderstandAwhatAcoverageA
MedicareASupplementalAInsuranceAprovidesAsinceAhisAhealthAcareAneedsAareAdifferentAfromAhi
sAwife'sAneeds.AWhatAcouldAyouAtellAMr.AMoy?A-
AcorrectAanswersMedicareASupplementalAInsuranceAwouldAhelpAcoverAhisAPartAAAandAPartABAd


eductiblesAorAcoinsuranceAinAOriginalAFee-for-
ServiceA(FFS)AMedicareAasAwellAasApossiblyAsomeAservicesAthatAMedicareAdoesAnotAcover.

WhichAofAtheAfollowingAstatement(s)Ais/areAcorrectAaboutAaAMedicareASavingsAAccountA(MSA)A
Plans?



I.AMSAsAmayAhaveAeitherAaApartialAnetwork,AfullAnetwork,AorAnoAnetworkAofAproviders.

II.AMSAAplansAcoverAPartAAAandAPartABAbenefitsAbutAnotAPartADAprescriptionAdrugAbenefits.

III.AAnAindividualAwhoAisAenrolledAinAanAMSAAplanAisAresponsibleAforAaAminimalAdeductibleAofA$
500AindexedAforAinflation.

IV.ANon-
networkAprovidersAmustAacceptAtheAsameAamountAthatAOriginalAMedicareAwouldApayAthemAas
ApaymentAinAfull.A-AcorrectAanswersI,AII,AandAIVAonly



JuanAHernandezAisAturningA65AnextAmonth,AJuanAlegallyAenteredAtheAUnitedAStatesAoverAtwent
yAyearsAagoAbutAisAnotAaAcitizen.ASinceAhisAentryAintoAtheAcountry,AJuanAhasAworkedAatASmallcap
AIncorporatedAandAcontributedAtoAtheAMedicareAsystem.AJuanAsuffersAfromAdiabetes.AHeAwillAs


oonAretireAandAasksAyouAifAheAcanAenrollAinAaAMedicareAAdvantageAplanAthatAyouArepresent.AHo
wAwouldAyouArespond?A-
AcorrectAanswersJuanAisAeligibleAtoAenrollAinAaAMedicareAAdvantageAasAlongAasAheAisAentitledAto


APartAAAandAenrolledAinAPartAB.AJuanAshouldAgoAtoAtheASocialASecurityAwebsiteAtoAenrollAinAMedi


careAPartAAAandABAifAheAhasAnotAdoneAsoAalready.AOnceAheAisAenrolled,AheAcanAchooseAaAMedica
reAAdvantageAplan.

DanielAisAaAmiddle-
incomeAMedicareAbeneficiary.AHeAhasAchronicAbronchitis,AputtingAhimAatAsevereAriskAforApneu