AHIP Final Comprehensive Study Guide
A+ Questions and Answers Verified
Solutions Latest Update 2026/2027
Answer:
Medicare does not cover acupuncture, or, in general, glasses or dentures.
■Mr. Bickford did not quite qualify for the extra help low-income subsidy under the Medicare Part
D Prescription Drug program and he is wondering if there is any other option he has for obtaining
help with his considerable drug costs. What should you tell him?.
Answer:
He could check with the manufacturers of his medications to see if they offer an assistance program
to help people with limited means obtain the medications they need. Alternatively, he could check
to see whether his state has a pharmacy assistance program to help him with his expenses.
■Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you represent. It is one
of three plans operated by the same organization in Mr. Lombardi's area. The MA PPO plan does
not include drug coverage, but the other two plans do. Mr. Lombardi likes the PPO plan that does
not include drug coverage and intends to obtain his drug coverage through a stand-alone Medicare
prescription drug plan. What should you tell him about this situation?.
Answer:
He could enroll in one of the MA plans that include prescription drug coverage or a Medigap plan
and a stand-alone prescription drug plan, but he cannot enroll in the MA-only PPO plan and a
stand-alone prescription drug plan.
■Agent Jennings makes a presentation on Medicare advertised as an educational event. Agent
Jennings distributes materials that are solely educational in nature. However, she gives a brief
presentation that mentions plan-specific premiums. Is this a prohibited activity at an event that has
been advertised as educational?.
Answer:
Yes. When an event has been advertised as "educational," discussing plan-specific premiums is
impermissible.
■Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare prescription
drug plan because, although she is entitled to Part A, she is not enrolled under Medicare Part
, B. What should you tell her?.
Answer:
Everyone who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare
prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not need to enroll
under Part B before enrolling in a prescription drug plan.
■Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit, but
when he looks at information on various plans available in his area, he sees a wide range in what
they charge for deductibles, premiums and cost sharing. How can you explain this to him?.
Answer:
Medicare Part D drug plans may have different benefit structures, but on average, they must all be
at least as good as the standard model established by the government.
■Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent health and will
have considerable income when she retires. She is concerned that her income will make it
impossible for her to qualify for Medicare. What could you tell her to address her concern?.
Answer:
Medicare is a program for people age 65 or older and those under age 65 with certain disabilities,
end stage renal disease or Lou Gehrig's disease, so she will be eligible for Medicare.
■Agent Armstrong is employed by XYZ Agency, which is under contract with ABC Health Plan, a
Medicare Advantage (MA) plan that offers plans
in multiple states. XYZ Agency maintains a website marketing the MA plans with which it has
contracts. Agent Armstrong follows up with individuals who request more information about ABC
MA plans via the website and tries to persuade them to enroll in ABC plans. What statement best
describes the marketing and compliance rules that apply to Agent Armstrong?.
Answer:
Agent Armstrong needs to be licensed and appointed in every state in which beneficiaries to whom
he markets ABC MA plans are located.
■Mr. Schmidt would like to plan for retirement and has asked you what is covered under Original
Fee-for-Service (FFS) Medicare? What could you tell him?.
Answer:
A+ Questions and Answers Verified
Solutions Latest Update 2026/2027
Answer:
Medicare does not cover acupuncture, or, in general, glasses or dentures.
■Mr. Bickford did not quite qualify for the extra help low-income subsidy under the Medicare Part
D Prescription Drug program and he is wondering if there is any other option he has for obtaining
help with his considerable drug costs. What should you tell him?.
Answer:
He could check with the manufacturers of his medications to see if they offer an assistance program
to help people with limited means obtain the medications they need. Alternatively, he could check
to see whether his state has a pharmacy assistance program to help him with his expenses.
■Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that you represent. It is one
of three plans operated by the same organization in Mr. Lombardi's area. The MA PPO plan does
not include drug coverage, but the other two plans do. Mr. Lombardi likes the PPO plan that does
not include drug coverage and intends to obtain his drug coverage through a stand-alone Medicare
prescription drug plan. What should you tell him about this situation?.
Answer:
He could enroll in one of the MA plans that include prescription drug coverage or a Medigap plan
and a stand-alone prescription drug plan, but he cannot enroll in the MA-only PPO plan and a
stand-alone prescription drug plan.
■Agent Jennings makes a presentation on Medicare advertised as an educational event. Agent
Jennings distributes materials that are solely educational in nature. However, she gives a brief
presentation that mentions plan-specific premiums. Is this a prohibited activity at an event that has
been advertised as educational?.
Answer:
Yes. When an event has been advertised as "educational," discussing plan-specific premiums is
impermissible.
■Mrs. Mulcahy is concerned that she may not qualify for enrollment in a Medicare prescription
drug plan because, although she is entitled to Part A, she is not enrolled under Medicare Part
, B. What should you tell her?.
Answer:
Everyone who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare
prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not need to enroll
under Part B before enrolling in a prescription drug plan.
■Mr. Jacob understands that there is a standard Medicare Part D prescription drug benefit, but
when he looks at information on various plans available in his area, he sees a wide range in what
they charge for deductibles, premiums and cost sharing. How can you explain this to him?.
Answer:
Medicare Part D drug plans may have different benefit structures, but on average, they must all be
at least as good as the standard model established by the government.
■Ms. Moore plans to retire when she turns 65 in a few months. She is in excellent health and will
have considerable income when she retires. She is concerned that her income will make it
impossible for her to qualify for Medicare. What could you tell her to address her concern?.
Answer:
Medicare is a program for people age 65 or older and those under age 65 with certain disabilities,
end stage renal disease or Lou Gehrig's disease, so she will be eligible for Medicare.
■Agent Armstrong is employed by XYZ Agency, which is under contract with ABC Health Plan, a
Medicare Advantage (MA) plan that offers plans
in multiple states. XYZ Agency maintains a website marketing the MA plans with which it has
contracts. Agent Armstrong follows up with individuals who request more information about ABC
MA plans via the website and tries to persuade them to enroll in ABC plans. What statement best
describes the marketing and compliance rules that apply to Agent Armstrong?.
Answer:
Agent Armstrong needs to be licensed and appointed in every state in which beneficiaries to whom
he markets ABC MA plans are located.
■Mr. Schmidt would like to plan for retirement and has asked you what is covered under Original
Fee-for-Service (FFS) Medicare? What could you tell him?.
Answer:
