AHIP 2026 FINAL EXAM | COMPLETE
STUDY GUIDE & PRACTICE QUESTIONS
| GRADED A+ | GUARANTEED SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
,Ms. Galindo will turn 65 on June 10th. She has never a. Ms. Galindo can enroll in an MA-PD plan now since her initial election period
previously qualified for Medicare. She is entitled to (IEP) for Part D prescription drug coverage and initial coverage election period
Medicare Part A and intends to enroll in Part B. She (ICEP) are occurring together beginning March 1st and ending September 30th.
wants to know if she is eligible to enroll in a Medicare
Advantage plan that includes prescription drug
coverage. What do you tell her?
Mr. Moreno invited his neighbor, Agent Tom Smith, to A meal cannot be provided, but light snacks would be permitted.
discuss Medicare Advantage (MA) and Part D plans that
Agent Smith sells at the regular Tuesday brunch the
neighbors have for senior citizens. What should Agent
Tom Smith tell Mr. Moreno about the kinds of food that
can be provided to potential enrollees who attend the
sales presentation?
Mr. Capadona would like to purchase a Medicare It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an
Advantage (MA) plan and a Medigap plan to pick up MA plan, and besides, Medigap only works with Original Medicare.
costs not covered by that plan. What should you tell
him?
,Agent John Miller is meeting with Jerry Smith, a new Tell prospect Jerry Smith that he should consider adding a standalone Part D
prospect. Jerry is currently enrolled in Medicare Parts A prescription drug coverage policy to his present coverage.
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?
Mr. Wu is eligible for Medicare. He has limited financial Mr. Wu may still qualify for help in paying Part D costs through his State
resources but failed to qualify for the Part D low- Pharmaceutical Assistance Program (SPAP).
income subsidy. Where might he turn for help with his
prescription drug costs?
Mr. Vasquez is in good health and is preparing a budget Under Original Medicare, there is a single deductible amount due for the first
in anticipation of his retirement when he turns 66. He 60 days of any inpatient hospital stay, after which it converts into a per-day
wants to understand the health care costs he might be coinsurance amount through day 90. After day 90, he would pay a daily amount
exposed to under Medicare if he were to require up to 60 days over his lifetime, after which he would be responsible for all
hospitalization because of an illness. In general terms, costs.
what could you tell him about his costs for inpatient
hospital services under Original Medicare?
, Mr. Moy will soon turn age 65. He is slightly younger Medicare Supplemental Insurance would help cover his Part A deductible and
than his wife. Mr. Moy's wife has a Medicare Advantage Part B coinsurance or copayments in Original Fee-for-Service (FFS) Medicare
plan, but he wants to understand what coverage as well as possibly some services that Medicare does not cover.
Medicare Supplemental Insurance provides since his
health care needs are different from his wife's needs.
What could you tell Mr. Moy?
Juan Perez, who is turning age 65 next month, intends Juan is likely to be eligible for Medicare once he turns age 65 and if he enrolls,
to work for several more years at Smallcap, Medicare would become the primary payor of his healthcare claims and
Incorporated. Smallcap has a workforce of 15 Smallcap does not have to continue to offer him coverage comparable to
employees and offers employer-sponsored healthcare those under age 65 under its employer-sponsored group health plan. Juan is
coverage. Juan is a naturalized citizen and has likely to be eligible for Medicare once he turns age 65 and if he enrolls,
contributed to the Medicare system for over 20 years. Medicare would become the primary payor of his healthcare claims but
Juan asks you if he will be entitled to Medicare and if he Smallcap must continue to offer him coverage under its employer-sponsored
enrolls how that will impact his employer- sponsored group health plan and would become a secondary payor.
healthcare coverage. How would you respond?
Ms. Kumar 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, and Lou Gehrig's disease so she
considerable income when she retires. She is will 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?
STUDY GUIDE & PRACTICE QUESTIONS
| GRADED A+ | GUARANTEED SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
,Ms. Galindo will turn 65 on June 10th. She has never a. Ms. Galindo can enroll in an MA-PD plan now since her initial election period
previously qualified for Medicare. She is entitled to (IEP) for Part D prescription drug coverage and initial coverage election period
Medicare Part A and intends to enroll in Part B. She (ICEP) are occurring together beginning March 1st and ending September 30th.
wants to know if she is eligible to enroll in a Medicare
Advantage plan that includes prescription drug
coverage. What do you tell her?
Mr. Moreno invited his neighbor, Agent Tom Smith, to A meal cannot be provided, but light snacks would be permitted.
discuss Medicare Advantage (MA) and Part D plans that
Agent Smith sells at the regular Tuesday brunch the
neighbors have for senior citizens. What should Agent
Tom Smith tell Mr. Moreno about the kinds of food that
can be provided to potential enrollees who attend the
sales presentation?
Mr. Capadona would like to purchase a Medicare It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an
Advantage (MA) plan and a Medigap plan to pick up MA plan, and besides, Medigap only works with Original Medicare.
costs not covered by that plan. What should you tell
him?
,Agent John Miller is meeting with Jerry Smith, a new Tell prospect Jerry Smith that he should consider adding a standalone Part D
prospect. Jerry is currently enrolled in Medicare Parts A prescription drug coverage policy to his present coverage.
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?
Mr. Wu is eligible for Medicare. He has limited financial Mr. Wu may still qualify for help in paying Part D costs through his State
resources but failed to qualify for the Part D low- Pharmaceutical Assistance Program (SPAP).
income subsidy. Where might he turn for help with his
prescription drug costs?
Mr. Vasquez is in good health and is preparing a budget Under Original Medicare, there is a single deductible amount due for the first
in anticipation of his retirement when he turns 66. He 60 days of any inpatient hospital stay, after which it converts into a per-day
wants to understand the health care costs he might be coinsurance amount through day 90. After day 90, he would pay a daily amount
exposed to under Medicare if he were to require up to 60 days over his lifetime, after which he would be responsible for all
hospitalization because of an illness. In general terms, costs.
what could you tell him about his costs for inpatient
hospital services under Original Medicare?
, Mr. Moy will soon turn age 65. He is slightly younger Medicare Supplemental Insurance would help cover his Part A deductible and
than his wife. Mr. Moy's wife has a Medicare Advantage Part B coinsurance or copayments in Original Fee-for-Service (FFS) Medicare
plan, but he wants to understand what coverage as well as possibly some services that Medicare does not cover.
Medicare Supplemental Insurance provides since his
health care needs are different from his wife's needs.
What could you tell Mr. Moy?
Juan Perez, who is turning age 65 next month, intends Juan is likely to be eligible for Medicare once he turns age 65 and if he enrolls,
to work for several more years at Smallcap, Medicare would become the primary payor of his healthcare claims and
Incorporated. Smallcap has a workforce of 15 Smallcap does not have to continue to offer him coverage comparable to
employees and offers employer-sponsored healthcare those under age 65 under its employer-sponsored group health plan. Juan is
coverage. Juan is a naturalized citizen and has likely to be eligible for Medicare once he turns age 65 and if he enrolls,
contributed to the Medicare system for over 20 years. Medicare would become the primary payor of his healthcare claims but
Juan asks you if he will be entitled to Medicare and if he Smallcap must continue to offer him coverage under its employer-sponsored
enrolls how that will impact his employer- sponsored group health plan and would become a secondary payor.
healthcare coverage. How would you respond?
Ms. Kumar 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, and Lou Gehrig's disease so she
considerable income when she retires. She is will 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?
