AHIP TEST & ANSWERS 2026 | COMPLETE
STUDY GUIDE & PRACTICE QUESTIONS
| GRADED A+ | GUARANTEED SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
,Ms. Moore plans to retire when she turns 65 in a few Medicare is a program for people age 65 or older and those under age 65 with
months. She is in excellent health and will have certain disabilities, end stage renal disease or Lou Gehrig's disease, so she will
considerable income when she retires. She is be eligible for Medicare
concerned that her income will make it impossible for
her to qualify for Medicare. What could you tell her to
address her concern?
Mr. Schmidt would like to plan for retirement and has Part A, which covers hospital, skilled nursing facility, hospice and home health
asked you what is covered under Original Fee-for- services and Part B, which covers professional services such as those provided
Service (FFS) Medicare? What could you tell him? by a doctor are covered under Original Medicare.
Mr. Hernandez is concerned that if he signs up for a Medicare health plans must cover all benefits available under Medicare Part A
Medicare Advantage plan, the health plan may, at some and Part B. Many also cover Part D prescription drugs.
time in the future, reduce his benefits below what is
available in Original Medicare. What should you tell him
about his concern?
,Mrs. Raskin is a widow who will attain aged 65 and Prescription drug coverage can be obtained by enrolling in a Medicare
enroll in Medicare in just a few weeks. She concerned Advantage plan that includes Part D coverage.
about having prescription drug coverage. Which of the
following statements provides the best advice?
Mrs. Willard wants to know generally how the benefits Medicare Health Plans may offer extra benefits that Original Medicare does not
under Original Medicare might compare to the benefit offer such as vision, hearing, and dental services and must include a maximum
package of a Medicare Health Plan before she starts out-of-pocket limit on Part A and Part B services.
looking at specific plans. What could you tell her?
Mr. Meoni's wife has a Medicare Advantage plan, but he Medicare Supplemental Insurance would help cover his Part A and Part B cost
wants to understand what coverage Medicare sharing in Original Fee-for-Service (FFS) Medicare as well as possibly some
Supplemental Insurance provides since his health care services that Medicare does not cover.
needs are different from his wife's needs. What could
you tell Mr.Meoni?
Mrs. Chen will be 65 soon, has been a citizen for twelve Most individuals who are citizens and over age 65 are covered under Part A by
years, has been employed full time, and paid taxes virtue of having paid Medicare taxes while working, though some may be
during that entire period. She is concerned that she will covered as a result of paying monthly premiums.
not qualify for coverage under part A because she was
not born in the United States. What should you tell her?
, Mr. Bauer is 49 years old, but eighteen months ago he After receiving such disability payments for 24 months, he will be automatically
was declared disabled by the Social Security enrolled in Medicare, regardless of age.
Administration and has been receiving disability
payments. He is wondering whether he can obtain
coverage under Medicare. What should you tell him?
Mr. Davis is 49 years old and has been receiving No, he cannot purchase a Medicare Advantage or Part D policy because he
disability benefits from the Social Security has not received Social Security or Railroad Retirement disability benefits for
Administration for 12 months. Can you sell him a 24 months.
Medicare Advantage or Part D Prescription Drug
policy?
Ms. Henderson believes that she will qualify for In order to obtain Part B coverage, she must pay a standard monthly premium,
Medicare coverage when she turns 65, without paying though it is higher for individuals with higher incomes.
any premiums, because she has been working for 40
years and paying Medicare taxes. What should you tell
her?
Mr. Diaz continued working with his company and was Mr. Diaz will not pay any penalty because he had continuous coverage under
insured under his employer's group plan until he his employer's plan.
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?
STUDY GUIDE & PRACTICE QUESTIONS
| GRADED A+ | GUARANTEED SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
,Ms. Moore plans to retire when she turns 65 in a few Medicare is a program for people age 65 or older and those under age 65 with
months. She is in excellent health and will have certain disabilities, end stage renal disease or Lou Gehrig's disease, so she will
considerable income when she retires. She is be eligible for Medicare
concerned that her income will make it impossible for
her to qualify for Medicare. What could you tell her to
address her concern?
Mr. Schmidt would like to plan for retirement and has Part A, which covers hospital, skilled nursing facility, hospice and home health
asked you what is covered under Original Fee-for- services and Part B, which covers professional services such as those provided
Service (FFS) Medicare? What could you tell him? by a doctor are covered under Original Medicare.
Mr. Hernandez is concerned that if he signs up for a Medicare health plans must cover all benefits available under Medicare Part A
Medicare Advantage plan, the health plan may, at some and Part B. Many also cover Part D prescription drugs.
time in the future, reduce his benefits below what is
available in Original Medicare. What should you tell him
about his concern?
,Mrs. Raskin is a widow who will attain aged 65 and Prescription drug coverage can be obtained by enrolling in a Medicare
enroll in Medicare in just a few weeks. She concerned Advantage plan that includes Part D coverage.
about having prescription drug coverage. Which of the
following statements provides the best advice?
Mrs. Willard wants to know generally how the benefits Medicare Health Plans may offer extra benefits that Original Medicare does not
under Original Medicare might compare to the benefit offer such as vision, hearing, and dental services and must include a maximum
package of a Medicare Health Plan before she starts out-of-pocket limit on Part A and Part B services.
looking at specific plans. What could you tell her?
Mr. Meoni's wife has a Medicare Advantage plan, but he Medicare Supplemental Insurance would help cover his Part A and Part B cost
wants to understand what coverage Medicare sharing in Original Fee-for-Service (FFS) Medicare as well as possibly some
Supplemental Insurance provides since his health care services that Medicare does not cover.
needs are different from his wife's needs. What could
you tell Mr.Meoni?
Mrs. Chen will be 65 soon, has been a citizen for twelve Most individuals who are citizens and over age 65 are covered under Part A by
years, has been employed full time, and paid taxes virtue of having paid Medicare taxes while working, though some may be
during that entire period. She is concerned that she will covered as a result of paying monthly premiums.
not qualify for coverage under part A because she was
not born in the United States. What should you tell her?
, Mr. Bauer is 49 years old, but eighteen months ago he After receiving such disability payments for 24 months, he will be automatically
was declared disabled by the Social Security enrolled in Medicare, regardless of age.
Administration and has been receiving disability
payments. He is wondering whether he can obtain
coverage under Medicare. What should you tell him?
Mr. Davis is 49 years old and has been receiving No, he cannot purchase a Medicare Advantage or Part D policy because he
disability benefits from the Social Security has not received Social Security or Railroad Retirement disability benefits for
Administration for 12 months. Can you sell him a 24 months.
Medicare Advantage or Part D Prescription Drug
policy?
Ms. Henderson believes that she will qualify for In order to obtain Part B coverage, she must pay a standard monthly premium,
Medicare coverage when she turns 65, without paying though it is higher for individuals with higher incomes.
any premiums, because she has been working for 40
years and paying Medicare taxes. What should you tell
her?
Mr. Diaz continued working with his company and was Mr. Diaz will not pay any penalty because he had continuous coverage under
insured under his employer's group plan until he his employer's plan.
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?
