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AHIP FINAL EXAM 2025 QUESTIONS WITH CORRECT
ANSWERS
1. What impact, if any, have recent regulatory changes had on Medigap plans?-
: The Part B deductible is no longer covered for individuals newly eligible for Medicare starting January 1, 2020.
2. Mr. Diaz continued working with his company and was insured under his
employer's group plan until he reached age 68. He has heard that there is a
premium penalty for those who did not sign up for Part B when first eligible
and wants to know how much he will have to pay. What should you tell him?: Mr.
Diaz will not pay any penalty because he had continuous coverage under his employer's plan.
3. Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and
is being successfully treated for that condition. However, she and her physicians
feel that after her lengthy hospital stay, she will need a month or two of nursing
and rehabilitative care. What should you tell them about Original Medicare's
coverage of care in a skilled nursing facility?: Medicare will cover Mrs. Shield's skilled nursing
services provided during the first 20 days of her stay, after which she would have a copay until she has been in the
facility for 100 days.
4. Mrs. Quinn recently turned 66 and decided after many years of work to retire
and begin receiving Social Security benefits. Shortly thereafter Mrs. Quinn
received a letter informing her that she had been automatically enrolled in
Medicare Part B. She wants to understand what this means. What should you
tell Mrs. Quinn?: Part B primarily covers physician services. She will be paying a monthly premium and, except
for many preventive and screening tests, generally will have 20% co-payments for these services, in addition to an
annual deductible.
5. Mrs. Turner is comparing her employer's retiree insurance to Original
Medicare and would like to know which of the following services Original
Medicare will cover if the appropriate criteria are met. What could you tell
her?: Original Medicare covers ambulance services.
6. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could
you tell Mrs. Park that might be of assistance?: She should contact her state Medicaid agency
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to see if she qualifies for one of several programs that can help with Medicare costs for which she is responsible.
7. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through massage therapy. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?: Medicare does not cover massage therapy, or, in general, glasses or dentures.
AHIP FINAL EXAM 2025 QUESTIONS WITH CORRECT
ANSWERS
1. What impact, if any, have recent regulatory changes had on Medigap plans?-
: The Part B deductible is no longer covered for individuals newly eligible for Medicare starting January 1, 2020.
2. Mr. Diaz continued working with his company and was insured under his
employer's group plan until he reached age 68. He has heard that there is a
premium penalty for those who did not sign up for Part B when first eligible
and wants to know how much he will have to pay. What should you tell him?: Mr.
Diaz will not pay any penalty because he had continuous coverage under his employer's plan.
3. Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and
is being successfully treated for that condition. However, she and her physicians
feel that after her lengthy hospital stay, she will need a month or two of nursing
and rehabilitative care. What should you tell them about Original Medicare's
coverage of care in a skilled nursing facility?: Medicare will cover Mrs. Shield's skilled nursing
services provided during the first 20 days of her stay, after which she would have a copay until she has been in the
facility for 100 days.
4. Mrs. Quinn recently turned 66 and decided after many years of work to retire
and begin receiving Social Security benefits. Shortly thereafter Mrs. Quinn
received a letter informing her that she had been automatically enrolled in
Medicare Part B. She wants to understand what this means. What should you
tell Mrs. Quinn?: Part B primarily covers physician services. She will be paying a monthly premium and, except
for many preventive and screening tests, generally will have 20% co-payments for these services, in addition to an
annual deductible.
5. Mrs. Turner is comparing her employer's retiree insurance to Original
Medicare and would like to know which of the following services Original
Medicare will cover if the appropriate criteria are met. What could you tell
her?: Original Medicare covers ambulance services.
6. Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could
you tell Mrs. Park that might be of assistance?: She should contact her state Medicaid agency
,\
to see if she qualifies for one of several programs that can help with Medicare costs for which she is responsible.
7. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through massage therapy. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?: Medicare does not cover massage therapy, or, in general, glasses or dentures.
