AHIP FINAL EXAM QUESTIONS
2024/2025 WITH VERIFIED ANSWERS
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that mig
ht be of assistance? - correct answer-
She should contact her state Medicaid agency to see if she qualifies forprograms that can help with Med
icare costs for which she is responsible.
Madeline Martinez was widowed several years ago. Her husband worked for many years and contribute
d into the Medicare system. He also left a substantial estate which provides Madeline with an annual inc
ome of approximately $130,000. Madeline, who has only worked part-
time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. She comes t
o you for advice. What should you tell her? - correct answer-
You should tell Madeline that she will be able to enroll in Medicare Part ABwithout paying monthly prem
iums due to her husband's long work record and participation in the Medicare system. You should also t
ell Madeline that she will pay Part B premiums at more than the standard lowest rate but less than the
highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social Security Adm
inistration and has been receiving disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him - correct answer-
After receivingBsuch disability payments for 24 months, he will be automatically enrolled in Medicare, re
gardlessBof age.
Mr. Schmidt would like to plan for retirement and has asked you what isBcovered under Original Fee-for-
Service (FFS) Medicare? What could you tell him? - correct answer-
Part A, which covers hospital, skilled nursingBfacility, hospice and home health services and Part B, whic
h covers professional services such as those provided by a doctor are covered under Original Medicare.
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 eig
ht month enrollment period that differs from the standard general enrollment period, during which she
may enroll in Medicare Part B.
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in Medicare Pa
rts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan which he has had for sever
,al LLyears. LLHowever, LLthe LLplan LLdoes LLnot LLprovide LLdrug LLbenefits. LLHow LLwould LLyou LLadvise
LLAgent LLJohn LLMiller LLto LLproceed? LL- LLcorrect LLanswer-
Tell LLprospect LLJerry LLSmith LLthat LLhe LLshould LLconsider LLadding LLa LLstandalone LLPart LLD
LLprescription LLdrug LLcoverage LLpolicy LLto LLhis LLpresent LLcoverage.
Mr. LLDiaz LLcontinued LLworking LLwith LLhis LLcompany LLand LLwas LLinsured LLunder LLhis LLemployer's
LLgroup LLplan LLuntil LLhe LLreached LLage LL68. LLHe LLhas LLheard LLthat LLthere LLis LLa LLpremium LLpenalty
LLfor LLthose LLwho LLdid LLnot LLsign LLup LLfor LLPart LLB LLwhen LLfirst LLeligible LLand LLwants LLto LLknow
LLhow LLmuch LLhe LLwill LLhave LLto LLpay. LLWhat LLshould LLyou LLtell LLhim? LL-
correct LLanswer-The LLpenalty LLwill LLbe LLa LLpermanent LL10% LLincrease LLin LLhis LLPart LLB LLpremium
LLfor LLevery LL12- LLmonth LLperiod LLthat LLpassed LLduring LLwhich LLhe LLcould LLhave LLenrolled LLand
LLdid LLnot.
Ms. LLMoore LLplans LLto LLretire LLwhen LLshe LLturns LL65 LLin LLa LLfew LLmonths. LLShe LLis LLin LLexcellent
LLhealth LLand LLwill LLhave LLco LLnsiderable LLincome LLwhen LLshe LLretires. LLShe LLis LLconcerned LLthat
LLher LLincome LLwill LLmake LLit LLimpossible LLfor LLher LLto LLqualify LLfor LLMedicare. LLWhat LLcould LLyou
LLtell LLher LLto LLaddress LLher LLconcern? LL- LLcorrect LLanswer-
Medicare LLis LLa LLprogram LLfor LLpeople LLage LL65 LLor LLolder LLand LLthose LLunder LLage LL65 LLwith
LLcertain LLdisabilities, LLend- LLstage LLrenal LLdisease, LLand LLLou LLGehrig's LLdisease LLso LLshe LLwill LLbe
LLeligible LLfor LLMedicare.
Mildred LLSavage LLenrolled LLin LLAllcare LLMedicare LLAdvantage LLplan LLseveral LLyears LLago. LLMildred
LLrecently LLlearned LLthat LLshe LLis LLsuffering LLfrom LLinoperable LLcancer LLand LLhas LLjust LLa LLfew
LLmonths LLto LLlive. LLShe LLwould LLlike LLto LLspend LLt LLhese LLfinal LLmonths LLin LLhospice LLcare.
LLMildred's LLfamily LLasks LLyou LLwhether LLhospice LLbenefits LLwill LLbe LLpaid LLfor LLu LLnder LLthe
LLAllcare LLMedicare LLAdvantage LLplan. LLWhat LLshould LLyou LLsay? LL- LLcorrect LLanswer-
Mildred LLmay LLremain LLenrolled LLin LLAllcare LLand LLmake LLa LLhospice LLelection. LLHospice LLbenefits
LLwill LLbe LLpaid LLfor LLby LLOriginal LLMedicare LLunder LLPart LLA LLand LLAllcare LLwill LLcontinue LLto LLpay
LLfor LLany LLnon-hospice LLservices.
Mr. LLGomez LLnotes LLthat LLa LLPrivate LLFee-for-
Service LL(PFFS) LLplan LLavailable LLin LLhis LLarea LLhas LLan LLattractive LLpremium. LLHe LLwants LLto LLknow
LLif LLhe LLmust LLuse LLdoc LLtors LLin LLa LLnetwork LLas LLhis LLcurrent LLHMO LLplan LLrequires LLhim LLto
LLdo. LLWhat LLshould LLyou LLtell LLhim? LL-
correct LLanswer-
He LLmay LLreceive LLhealth LLcare LLservices LLfrom LLany LLdoctor LLallowed LLto LLbill LLMedicare, LLas LLlong
LLas LLhe LLshows LLthe LLd LLoctor LLthe LLplan's LLidentification LLcard LLand LLthe LLdoctor LLagrees LLto
LLaccept LLthe LLPFFS LLplan's LLpayment LLterms LLand LLc LLonditions, LLwhich LLcould LLinclude LLbalance
LLbilling.
Mr. LLKelly LLwants LLto LLknow LLwhether LLhe LLisBeligible LLto LLsign LLup LLfor LLa LLPrivate LLfee-for-
service LL(PFFS) LLplan. LLWhat LLquestions LLwould LLyou LLneed LLto LLask LLto LLdetermine LLhis LLeligibility?
LL- LLcorrect LLanswer- LLYou LLwould LLneed LLto LLask LLMr. LLKelly LLif LLhe LLis LLenrolled LLin LLPart LLA LLand
, LLPart LLB LLand LLif LLhe LLlives LLin LLthe LLPFFSBplan's LLser LLvice LLarea.
2024/2025 WITH VERIFIED ANSWERS
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that mig
ht be of assistance? - correct answer-
She should contact her state Medicaid agency to see if she qualifies forprograms that can help with Med
icare costs for which she is responsible.
Madeline Martinez was widowed several years ago. Her husband worked for many years and contribute
d into the Medicare system. He also left a substantial estate which provides Madeline with an annual inc
ome of approximately $130,000. Madeline, who has only worked part-
time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. She comes t
o you for advice. What should you tell her? - correct answer-
You should tell Madeline that she will be able to enroll in Medicare Part ABwithout paying monthly prem
iums due to her husband's long work record and participation in the Medicare system. You should also t
ell Madeline that she will pay Part B premiums at more than the standard lowest rate but less than the
highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social Security Adm
inistration and has been receiving disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him - correct answer-
After receivingBsuch disability payments for 24 months, he will be automatically enrolled in Medicare, re
gardlessBof age.
Mr. Schmidt would like to plan for retirement and has asked you what isBcovered under Original Fee-for-
Service (FFS) Medicare? What could you tell him? - correct answer-
Part A, which covers hospital, skilled nursingBfacility, hospice and home health services and Part B, whic
h covers professional services such as those provided by a doctor are covered under Original Medicare.
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 eig
ht month enrollment period that differs from the standard general enrollment period, during which she
may enroll in Medicare Part B.
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in Medicare Pa
rts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan which he has had for sever
,al LLyears. LLHowever, LLthe LLplan LLdoes LLnot LLprovide LLdrug LLbenefits. LLHow LLwould LLyou LLadvise
LLAgent LLJohn LLMiller LLto LLproceed? LL- LLcorrect LLanswer-
Tell LLprospect LLJerry LLSmith LLthat LLhe LLshould LLconsider LLadding LLa LLstandalone LLPart LLD
LLprescription LLdrug LLcoverage LLpolicy LLto LLhis LLpresent LLcoverage.
Mr. LLDiaz LLcontinued LLworking LLwith LLhis LLcompany LLand LLwas LLinsured LLunder LLhis LLemployer's
LLgroup LLplan LLuntil LLhe LLreached LLage LL68. LLHe LLhas LLheard LLthat LLthere LLis LLa LLpremium LLpenalty
LLfor LLthose LLwho LLdid LLnot LLsign LLup LLfor LLPart LLB LLwhen LLfirst LLeligible LLand LLwants LLto LLknow
LLhow LLmuch LLhe LLwill LLhave LLto LLpay. LLWhat LLshould LLyou LLtell LLhim? LL-
correct LLanswer-The LLpenalty LLwill LLbe LLa LLpermanent LL10% LLincrease LLin LLhis LLPart LLB LLpremium
LLfor LLevery LL12- LLmonth LLperiod LLthat LLpassed LLduring LLwhich LLhe LLcould LLhave LLenrolled LLand
LLdid LLnot.
Ms. LLMoore LLplans LLto LLretire LLwhen LLshe LLturns LL65 LLin LLa LLfew LLmonths. LLShe LLis LLin LLexcellent
LLhealth LLand LLwill LLhave LLco LLnsiderable LLincome LLwhen LLshe LLretires. LLShe LLis LLconcerned LLthat
LLher LLincome LLwill LLmake LLit LLimpossible LLfor LLher LLto LLqualify LLfor LLMedicare. LLWhat LLcould LLyou
LLtell LLher LLto LLaddress LLher LLconcern? LL- LLcorrect LLanswer-
Medicare LLis LLa LLprogram LLfor LLpeople LLage LL65 LLor LLolder LLand LLthose LLunder LLage LL65 LLwith
LLcertain LLdisabilities, LLend- LLstage LLrenal LLdisease, LLand LLLou LLGehrig's LLdisease LLso LLshe LLwill LLbe
LLeligible LLfor LLMedicare.
Mildred LLSavage LLenrolled LLin LLAllcare LLMedicare LLAdvantage LLplan LLseveral LLyears LLago. LLMildred
LLrecently LLlearned LLthat LLshe LLis LLsuffering LLfrom LLinoperable LLcancer LLand LLhas LLjust LLa LLfew
LLmonths LLto LLlive. LLShe LLwould LLlike LLto LLspend LLt LLhese LLfinal LLmonths LLin LLhospice LLcare.
LLMildred's LLfamily LLasks LLyou LLwhether LLhospice LLbenefits LLwill LLbe LLpaid LLfor LLu LLnder LLthe
LLAllcare LLMedicare LLAdvantage LLplan. LLWhat LLshould LLyou LLsay? LL- LLcorrect LLanswer-
Mildred LLmay LLremain LLenrolled LLin LLAllcare LLand LLmake LLa LLhospice LLelection. LLHospice LLbenefits
LLwill LLbe LLpaid LLfor LLby LLOriginal LLMedicare LLunder LLPart LLA LLand LLAllcare LLwill LLcontinue LLto LLpay
LLfor LLany LLnon-hospice LLservices.
Mr. LLGomez LLnotes LLthat LLa LLPrivate LLFee-for-
Service LL(PFFS) LLplan LLavailable LLin LLhis LLarea LLhas LLan LLattractive LLpremium. LLHe LLwants LLto LLknow
LLif LLhe LLmust LLuse LLdoc LLtors LLin LLa LLnetwork LLas LLhis LLcurrent LLHMO LLplan LLrequires LLhim LLto
LLdo. LLWhat LLshould LLyou LLtell LLhim? LL-
correct LLanswer-
He LLmay LLreceive LLhealth LLcare LLservices LLfrom LLany LLdoctor LLallowed LLto LLbill LLMedicare, LLas LLlong
LLas LLhe LLshows LLthe LLd LLoctor LLthe LLplan's LLidentification LLcard LLand LLthe LLdoctor LLagrees LLto
LLaccept LLthe LLPFFS LLplan's LLpayment LLterms LLand LLc LLonditions, LLwhich LLcould LLinclude LLbalance
LLbilling.
Mr. LLKelly LLwants LLto LLknow LLwhether LLhe LLisBeligible LLto LLsign LLup LLfor LLa LLPrivate LLfee-for-
service LL(PFFS) LLplan. LLWhat LLquestions LLwould LLyou LLneed LLto LLask LLto LLdetermine LLhis LLeligibility?
LL- LLcorrect LLanswer- LLYou LLwould LLneed LLto LLask LLMr. LLKelly LLif LLhe LLis LLenrolled LLin LLPart LLA LLand
, LLPart LLB LLand LLif LLhe LLlives LLin LLthe LLPFFSBplan's LLser LLvice LLarea.
