AHIP
2026 Final Exam | Practice Questions, Answers &
Detailed Rationales | Medicare Certification Study
Guide
RESOURCE FEATURES
• AHIP 2026 Final Exam study guide
• Medicare certification practice questions
• Detailed answers and rationale
, AHIP 2026 Final Exam | Practice Questions,
Answers & Detailed Rationales | Medicare
Certification Study Guide
1. Ms. Galindo turns 65 on June 10. Never previously Medicare-
qualified. Entitled to Part A and intends to enroll in Part B. Can she
enroll in an MA-PD?
A. Yes—her Part D IEP and MA ICEP occur together beginning March 1
and ending September 30.
B. No—she must wait for the Annual Election Period.
C. No—she must first enroll in Medigap.
D. Yes—but only if she declines Part B.
Correct: A. Rationale: Initial enrollment periods for Part D and MA can
run together for a newly eligible beneficiary.
2. Agent Tom Smith speaks at a senior brunch. What food may be
provided at a Medicare sales presentation?
A. A meal cannot be provided, but light snacks are permitted.
B. A full meal is permitted if under $15.
C. Any food is permitted if the venue is private.
D. Only beverages may be provided.
,Correct: A. Rationale: CMS allows light snacks but prohibits meals at
sales presentations.
3. Mr. Capadona wants an MA plan and a Medigap plan. What should
you tell him?
A. It is illegal to sell him Medigap if he is enrolled in MA; Medigap only
works with Original Medicare.
B. Medigap can coordinate with MA to cover extra costs.
C. He may have both if Medigap is purchased first.
D. He may have both if the MA plan is an HMO.
Correct: A. Rationale: Medigap cannot be used with Medicare
Advantage.
4. Jerry Smith has Parts A and B and a Medigap plan with no drug
benefits. What should Agent Miller advise?
A. Consider adding a standalone Part D plan.
B. Drop Medigap and enroll in MA-PD.
C. Medigap will automatically add drug coverage.
D. He cannot add Part D while on Medigap.
Correct: A. Rationale: Medigap does not cover drugs; a standalone PDP
can be added.
5. Mr. Wu failed to qualify for Part D low-income subsidy. Where
might he get help?
, A. State Pharmaceutical Assistance Program (SPAP).
B. Medicare Part A trust fund.
C. Medigap Plan F.
D. Hospital charity care only.
Correct: A. Rationale: SPAPs can help eligible beneficiaries with Part D
costs.
6. Mr. Vasquez asks about inpatient hospital costs under Original
Medicare. What should you tell him?
A. A single deductible applies for the first 60 days, then coinsurance
applies.
B. There is no deductible for hospital stays.
C. He pays nothing for all inpatient days.
D. A new deductible applies every 10 days.
Correct: A. Rationale: Original Medicare has a benefit-period deductible
for days 1–60, then daily coinsurance.
7. Mr. Moy asks what Medigap covers. What should you tell him?
A. It helps cover Part A deductible, Part B coinsurance/copays, and
some services Medicare does not cover.
B. It replaces Medicare Part A and B.
C. It only covers prescription drugs.
D. It only works with Medicare Advantage.
2026 Final Exam | Practice Questions, Answers &
Detailed Rationales | Medicare Certification Study
Guide
RESOURCE FEATURES
• AHIP 2026 Final Exam study guide
• Medicare certification practice questions
• Detailed answers and rationale
, AHIP 2026 Final Exam | Practice Questions,
Answers & Detailed Rationales | Medicare
Certification Study Guide
1. Ms. Galindo turns 65 on June 10. Never previously Medicare-
qualified. Entitled to Part A and intends to enroll in Part B. Can she
enroll in an MA-PD?
A. Yes—her Part D IEP and MA ICEP occur together beginning March 1
and ending September 30.
B. No—she must wait for the Annual Election Period.
C. No—she must first enroll in Medigap.
D. Yes—but only if she declines Part B.
Correct: A. Rationale: Initial enrollment periods for Part D and MA can
run together for a newly eligible beneficiary.
2. Agent Tom Smith speaks at a senior brunch. What food may be
provided at a Medicare sales presentation?
A. A meal cannot be provided, but light snacks are permitted.
B. A full meal is permitted if under $15.
C. Any food is permitted if the venue is private.
D. Only beverages may be provided.
,Correct: A. Rationale: CMS allows light snacks but prohibits meals at
sales presentations.
3. Mr. Capadona wants an MA plan and a Medigap plan. What should
you tell him?
A. It is illegal to sell him Medigap if he is enrolled in MA; Medigap only
works with Original Medicare.
B. Medigap can coordinate with MA to cover extra costs.
C. He may have both if Medigap is purchased first.
D. He may have both if the MA plan is an HMO.
Correct: A. Rationale: Medigap cannot be used with Medicare
Advantage.
4. Jerry Smith has Parts A and B and a Medigap plan with no drug
benefits. What should Agent Miller advise?
A. Consider adding a standalone Part D plan.
B. Drop Medigap and enroll in MA-PD.
C. Medigap will automatically add drug coverage.
D. He cannot add Part D while on Medigap.
Correct: A. Rationale: Medigap does not cover drugs; a standalone PDP
can be added.
5. Mr. Wu failed to qualify for Part D low-income subsidy. Where
might he get help?
, A. State Pharmaceutical Assistance Program (SPAP).
B. Medicare Part A trust fund.
C. Medigap Plan F.
D. Hospital charity care only.
Correct: A. Rationale: SPAPs can help eligible beneficiaries with Part D
costs.
6. Mr. Vasquez asks about inpatient hospital costs under Original
Medicare. What should you tell him?
A. A single deductible applies for the first 60 days, then coinsurance
applies.
B. There is no deductible for hospital stays.
C. He pays nothing for all inpatient days.
D. A new deductible applies every 10 days.
Correct: A. Rationale: Original Medicare has a benefit-period deductible
for days 1–60, then daily coinsurance.
7. Mr. Moy asks what Medigap covers. What should you tell him?
A. It helps cover Part A deductible, Part B coinsurance/copays, and
some services Medicare does not cover.
B. It replaces Medicare Part A and B.
C. It only covers prescription drugs.
D. It only works with Medicare Advantage.
