2026 AHIP
FINAL EXAM
Actual Questions and Answers
What’s Inside?
• Actual AHIP 2026 Final Exam questions with verified and
explained answers
• Fully aligned with the latest CMS & AHIP training modules
• Detailed coverage of all exam sections,
, • Each question includes rationales and key references to reinforce
understanding
• Content designed to mirror the official AHIP
testing environment
**1. Mr. Capadona would like to purchase a Medicare
Advantage (MA) plan and a Medigap plan to pick up costs not
covered by that plan. What should you tell him?**
A) You can sell him a Medigap plan to help with costs not covered
under Medicare Advantage.
B) It is illegal for you to sell Mr. Capadona a Medigap plan if he is
enrolled in an MA plan, and besides, Medigap only works with Original
Medicare.
C) Medigap plans are designed to work alongside Medicare Advantage
plans.
D) He must disenroll from his MA plan before buying a Medigap plan.
**Correct Answer:**
,B) It is illegal for you to sell Mr. Capadona a Medigap plan if he is
enrolled in an MA plan, and besides, Medigap only works with Original
Medicare.
**Expert Rationale:**
Medigap plans are supplemental policies that fill gaps in Original
Medicare (Parts A and B) coverage. Federal law prohibits issuance of a
Medigap policy to anyone currently enrolled in a Medicare Advantage
plan; Medigap cannot pay costs associated with MA. This ensures
coordination of benefits and prevents duplicate coverage.
---
**2. Agent John Miller is meeting with Jerry Smith, a new prospect.
Jerry is currently enrolled in Medicare Parts A and B. Jerry has also
purchased a Medicare Supplement (Medigap) plan which he has had
for several years. However, the plan does not provide drug benefits.
How would you advise Agent John Miller to proceed?**
A) Advise Jerry to switch to a Medicare Advantage plan for drug
coverage.
, B) Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present
coverage.
C) Inform Jerry that Medigap automatically covers prescription drugs.
D) Recommend canceling the Medigap plan.
**Correct Answer:**
B) Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present
coverage.
**Expert Rationale:**
Medigap plans sold after 2006 do not include prescription drug
coverage. Beneficiaries needing drug coverage must enroll in a
standalone Medicare Part D plan. This allows individuals to retain their
Medigap coverage while accessing necessary medications through an
appropriate channel.
---
FINAL EXAM
Actual Questions and Answers
What’s Inside?
• Actual AHIP 2026 Final Exam questions with verified and
explained answers
• Fully aligned with the latest CMS & AHIP training modules
• Detailed coverage of all exam sections,
, • Each question includes rationales and key references to reinforce
understanding
• Content designed to mirror the official AHIP
testing environment
**1. Mr. Capadona would like to purchase a Medicare
Advantage (MA) plan and a Medigap plan to pick up costs not
covered by that plan. What should you tell him?**
A) You can sell him a Medigap plan to help with costs not covered
under Medicare Advantage.
B) It is illegal for you to sell Mr. Capadona a Medigap plan if he is
enrolled in an MA plan, and besides, Medigap only works with Original
Medicare.
C) Medigap plans are designed to work alongside Medicare Advantage
plans.
D) He must disenroll from his MA plan before buying a Medigap plan.
**Correct Answer:**
,B) It is illegal for you to sell Mr. Capadona a Medigap plan if he is
enrolled in an MA plan, and besides, Medigap only works with Original
Medicare.
**Expert Rationale:**
Medigap plans are supplemental policies that fill gaps in Original
Medicare (Parts A and B) coverage. Federal law prohibits issuance of a
Medigap policy to anyone currently enrolled in a Medicare Advantage
plan; Medigap cannot pay costs associated with MA. This ensures
coordination of benefits and prevents duplicate coverage.
---
**2. Agent John Miller is meeting with Jerry Smith, a new prospect.
Jerry is currently enrolled in Medicare Parts A and B. Jerry has also
purchased a Medicare Supplement (Medigap) plan which he has had
for several years. However, the plan does not provide drug benefits.
How would you advise Agent John Miller to proceed?**
A) Advise Jerry to switch to a Medicare Advantage plan for drug
coverage.
, B) Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present
coverage.
C) Inform Jerry that Medigap automatically covers prescription drugs.
D) Recommend canceling the Medigap plan.
**Correct Answer:**
B) Tell prospect Jerry Smith that he should consider adding a
standalone Part D prescription drug coverage policy to his present
coverage.
**Expert Rationale:**
Medigap plans sold after 2006 do not include prescription drug
coverage. Beneficiaries needing drug coverage must enroll in a
standalone Medicare Part D plan. This allows individuals to retain their
Medigap coverage while accessing necessary medications through an
appropriate channel.
---
