AHIP FINAL EXAM, PRACTICE EXAM AND STUDY GUIDE LATEST 2025/2026 ACTUAL
EXAM QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+
Mr. Davies is turning 65 next month. He would like to enroll in a Medicare health plan, but does not
want to be limited in terms of where he obtains his care. What should you tell him about how a
Medicare Cost Plan might fit his needs? - (ANSWER)a. Cost plan enrollees can choose to receive
Medicare covered services under the plan's benefits by going to plan network providers and paying
plan cost sharing, or may receive services from non-network providers and pay cost-sharing due
under Original Medicare.
@#$%
b. Ms. Lopez is considered a marketing representative of BestCare and thus is obligated to comply
^&*()_
with CMS marketing requirements, including those regarding using only approved call scripts. -
+
(ANSWER)Ms. Lopez is an independent agent under contract with MarketCo, a third-party
marketing organization. MarketCo has a contract with BestCare health plan, a Medicare Advantage
(MA) organization, to offer marketing services through its contracted agents and agencies. Ms.
Lopez returns calls to individuals who contact MarketCo in response to its mailers promoting
BestCare health plan. Which of the following best describes the responsibilities of Ms. Lopez?
a. Ms. Lopez is considered a marketing representative of BestCare but is exempt from the marketing
rules regarding approved call scripts because she works directly for MarketCo.
b. Ms. Lopez is considered a marketing representative of BestCare and thus is obligated to comply
with CMS marketing requirements, including those regarding using only approved call scripts.
c. Ms. Lopez no longer needs to be concerned about state licensure since she is marketing an MA
product subject to federal rules.
d. Ms. Lopez needs to maintain state licensure, but because she is working for a third-party
marketing organization she is exempt from CMS training requirements that apply to BestCare
captive agents.
Mr. Edwards, a marketing representative of the ACME Insurance Company, scheduled a marketing
event and expects about 40 people to attend. He has hired a magician at a cost of $200 to entertain
attendees. Can he do this in a way that complies with guidance from the Medicare agency? -
(ANSWER)a. He can do this because the estimated number of attendees is based on the venue size
and response rate and the value of the gift does not exceed $15.
Mrs. Ramos is considering a Medicare Advantage PPO and has questions about which providers
she can go to for her health care. What should you tell her? - (ANSWER)b. Mrs. Ramos can obtain
care from any provider who participates in Original Medicare, but generally will have a higher cost-
sharing amount if she sees a provider who/that is not a part of the PPO network.
Julia Harris is turning 66 in July, at which time she will retire. She has contacted your office and
requested a meeting so that she can learn about Medicare and the products you represent. How
,AHIP FINAL EXAM, PRACTICE EXAM AND STUDY GUIDE LATEST 2025/2026 ACTUAL
EXAM QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+
should you respond? - (ANSWER)c. Tell Julia that you will meet with her to explain Medicare and
should she be interested you can accept and submit an enrollment request, since this is an initial
enrollment qualifying her for a special enrollment period.
Mr. Rivera has Qualified Medicare Beneficiary (QMB) eligibility and is thus covered by both Medicare
and Medicaid. He decides to enroll in a Medicare Advantage (MA) PPO plan. Later he sees an out-
of-network doctor to receive a Medicare covered service. How much The doctor may only collect @#$%
from Mr. Rivera the cost sharing allowable under the state's Medicaid program.may the doctor
^&*()_
collect from Mr. Rivera? - (ANSWER)The doctor may only collect from Mr. Rivera the cost sharing
+
allowable under the state's Medicaid program.
During a sales presentation in Ms. Sullivan's home, she tells you that she has heard about a type of
Medicare health plan known as Private Fee-for-Service (PFFS). She wants to know if this would be
available to her. What should you tell her about PFFS plans? - (ANSWER)
Choose one answer. - (ANSWER)
- (ANSWER)a. A PFFS plan is a type of Medicare Supplement plan and she may enroll in one if it is
available in her area.
- (ANSWER)b. A PFFS plan is exactly the same as Original Medicare, only offered by a private entity
and she may enroll in one if it is available in her area.
- (ANSWER)c. PFFS plans are designed to cover only prescription drugs and if that is the type of
coverage she wants, she may enroll in one if it is available in her area.
- (ANSWER)d. A PFFS plan is one of the various types of Medicare Advantage plans offered by
private entities and she may enroll in one if it is available in her area.
Question8 - (ANSWER)
Marks: 1 - (ANSWER)
During an appointment scheduled to discuss a Medicare Advantage Prescription Drug plan (MA-
PD), Mr. Peters asked his agent to describe a stand-alone prescription drug plan (Part D plan) that
his neighbor told him about. What should his agent do? - (ANSWER)
Choose one answer. - (ANSWER)
, AHIP FINAL EXAM, PRACTICE EXAM AND STUDY GUIDE LATEST 2025/2026 ACTUAL
EXAM QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+
- (ANSWER)a. Since Mr. Peters requested a description of the Part D plan, his agent must leave the
Part D plan brochure, but not an enrollment form, and would have to schedule another
appointment after at least 48 hours have passed to discuss the Part D plan with Mr. Peters.
- (ANSWER)b. Since Mr. Peters requested a description of the Part D plan, his agent must have Mr.
Peters sign a new scope of appointment form that includes Part D, and then the agent may discuss
the Part D plan so Mr. Peters can compare plans and make an informed enrollment choice during @#$%
the appointment.
^&*()_
+
- (ANSWER)c. Since Mr. Peters requested a description of the Part D plan, his agent must inform Mr.
Peters that he can only sign up for the MA-PD plan and cannot receive a brochure or any other
information about the Part D plan now because he did not agree in advance to discuss that plan
- (ANSWER)d. Since Mr. Peters requested a description of the Part D plan, his agent must discuss
both the Part D and the MA-PD plans and return after at least 48 hours to complete the Part D plan
enrollment form with Mr. Peters.
Question9 - (ANSWER)
Marks: 1 - (ANSWER)
Mr. Torres has a small savings account. He would like to pay for his monthly Part D premiums with
an automatic monthly withdrawal from his savings account until it is exhausted, and then have his
premiums withheld from his Social Security check. What should you tell him? - (ANSWER)
Choose one answer. - (ANSWER)
- (ANSWER)a. In general, he must select a single Part D premium payment mechanism that will be
used throughout the year.
- (ANSWER)b. As long as he fills out the paperwork to begin withholding from his Social Security
check at least 63 days before such withholding should begin, he can change his method of Part D
premium payment and withholding will begin the month after his savings account is exhausted.
- (ANSWER)c. During 2017, many people experienced significant problems with deductions from
their Social Security check for their Part D premium. As a result, this method of payment is no
longer an option for Part D premium payments
- (ANSWER)d. In general, to pay his Part D premium, he only can have automatic withdrawals made
from a checking account, so he will need to transfer the funds prior to beginning such withdrawals.
EXAM QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+
Mr. Davies is turning 65 next month. He would like to enroll in a Medicare health plan, but does not
want to be limited in terms of where he obtains his care. What should you tell him about how a
Medicare Cost Plan might fit his needs? - (ANSWER)a. Cost plan enrollees can choose to receive
Medicare covered services under the plan's benefits by going to plan network providers and paying
plan cost sharing, or may receive services from non-network providers and pay cost-sharing due
under Original Medicare.
@#$%
b. Ms. Lopez is considered a marketing representative of BestCare and thus is obligated to comply
^&*()_
with CMS marketing requirements, including those regarding using only approved call scripts. -
+
(ANSWER)Ms. Lopez is an independent agent under contract with MarketCo, a third-party
marketing organization. MarketCo has a contract with BestCare health plan, a Medicare Advantage
(MA) organization, to offer marketing services through its contracted agents and agencies. Ms.
Lopez returns calls to individuals who contact MarketCo in response to its mailers promoting
BestCare health plan. Which of the following best describes the responsibilities of Ms. Lopez?
a. Ms. Lopez is considered a marketing representative of BestCare but is exempt from the marketing
rules regarding approved call scripts because she works directly for MarketCo.
b. Ms. Lopez is considered a marketing representative of BestCare and thus is obligated to comply
with CMS marketing requirements, including those regarding using only approved call scripts.
c. Ms. Lopez no longer needs to be concerned about state licensure since she is marketing an MA
product subject to federal rules.
d. Ms. Lopez needs to maintain state licensure, but because she is working for a third-party
marketing organization she is exempt from CMS training requirements that apply to BestCare
captive agents.
Mr. Edwards, a marketing representative of the ACME Insurance Company, scheduled a marketing
event and expects about 40 people to attend. He has hired a magician at a cost of $200 to entertain
attendees. Can he do this in a way that complies with guidance from the Medicare agency? -
(ANSWER)a. He can do this because the estimated number of attendees is based on the venue size
and response rate and the value of the gift does not exceed $15.
Mrs. Ramos is considering a Medicare Advantage PPO and has questions about which providers
she can go to for her health care. What should you tell her? - (ANSWER)b. Mrs. Ramos can obtain
care from any provider who participates in Original Medicare, but generally will have a higher cost-
sharing amount if she sees a provider who/that is not a part of the PPO network.
Julia Harris is turning 66 in July, at which time she will retire. She has contacted your office and
requested a meeting so that she can learn about Medicare and the products you represent. How
,AHIP FINAL EXAM, PRACTICE EXAM AND STUDY GUIDE LATEST 2025/2026 ACTUAL
EXAM QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+
should you respond? - (ANSWER)c. Tell Julia that you will meet with her to explain Medicare and
should she be interested you can accept and submit an enrollment request, since this is an initial
enrollment qualifying her for a special enrollment period.
Mr. Rivera has Qualified Medicare Beneficiary (QMB) eligibility and is thus covered by both Medicare
and Medicaid. He decides to enroll in a Medicare Advantage (MA) PPO plan. Later he sees an out-
of-network doctor to receive a Medicare covered service. How much The doctor may only collect @#$%
from Mr. Rivera the cost sharing allowable under the state's Medicaid program.may the doctor
^&*()_
collect from Mr. Rivera? - (ANSWER)The doctor may only collect from Mr. Rivera the cost sharing
+
allowable under the state's Medicaid program.
During a sales presentation in Ms. Sullivan's home, she tells you that she has heard about a type of
Medicare health plan known as Private Fee-for-Service (PFFS). She wants to know if this would be
available to her. What should you tell her about PFFS plans? - (ANSWER)
Choose one answer. - (ANSWER)
- (ANSWER)a. A PFFS plan is a type of Medicare Supplement plan and she may enroll in one if it is
available in her area.
- (ANSWER)b. A PFFS plan is exactly the same as Original Medicare, only offered by a private entity
and she may enroll in one if it is available in her area.
- (ANSWER)c. PFFS plans are designed to cover only prescription drugs and if that is the type of
coverage she wants, she may enroll in one if it is available in her area.
- (ANSWER)d. A PFFS plan is one of the various types of Medicare Advantage plans offered by
private entities and she may enroll in one if it is available in her area.
Question8 - (ANSWER)
Marks: 1 - (ANSWER)
During an appointment scheduled to discuss a Medicare Advantage Prescription Drug plan (MA-
PD), Mr. Peters asked his agent to describe a stand-alone prescription drug plan (Part D plan) that
his neighbor told him about. What should his agent do? - (ANSWER)
Choose one answer. - (ANSWER)
, AHIP FINAL EXAM, PRACTICE EXAM AND STUDY GUIDE LATEST 2025/2026 ACTUAL
EXAM QUESTIONS WITH CORRECT ANSWERS 100% VERIFIED GRADED A+
- (ANSWER)a. Since Mr. Peters requested a description of the Part D plan, his agent must leave the
Part D plan brochure, but not an enrollment form, and would have to schedule another
appointment after at least 48 hours have passed to discuss the Part D plan with Mr. Peters.
- (ANSWER)b. Since Mr. Peters requested a description of the Part D plan, his agent must have Mr.
Peters sign a new scope of appointment form that includes Part D, and then the agent may discuss
the Part D plan so Mr. Peters can compare plans and make an informed enrollment choice during @#$%
the appointment.
^&*()_
+
- (ANSWER)c. Since Mr. Peters requested a description of the Part D plan, his agent must inform Mr.
Peters that he can only sign up for the MA-PD plan and cannot receive a brochure or any other
information about the Part D plan now because he did not agree in advance to discuss that plan
- (ANSWER)d. Since Mr. Peters requested a description of the Part D plan, his agent must discuss
both the Part D and the MA-PD plans and return after at least 48 hours to complete the Part D plan
enrollment form with Mr. Peters.
Question9 - (ANSWER)
Marks: 1 - (ANSWER)
Mr. Torres has a small savings account. He would like to pay for his monthly Part D premiums with
an automatic monthly withdrawal from his savings account until it is exhausted, and then have his
premiums withheld from his Social Security check. What should you tell him? - (ANSWER)
Choose one answer. - (ANSWER)
- (ANSWER)a. In general, he must select a single Part D premium payment mechanism that will be
used throughout the year.
- (ANSWER)b. As long as he fills out the paperwork to begin withholding from his Social Security
check at least 63 days before such withholding should begin, he can change his method of Part D
premium payment and withholding will begin the month after his savings account is exhausted.
- (ANSWER)c. During 2017, many people experienced significant problems with deductions from
their Social Security check for their Part D premium. As a result, this method of payment is no
longer an option for Part D premium payments
- (ANSWER)d. In general, to pay his Part D premium, he only can have automatic withdrawals made
from a checking account, so he will need to transfer the funds prior to beginning such withdrawals.
