[DOCUMENT TITLE]
AHIP Final Exam Test Questions and Answers
(2025/2026) Rated A+ Answers Correct/Verified
Mr., Moy’s, wife ,has ,a ,Medicare ,Advantage ,plan, ,but ,he ,wants ,to
,understand ,what coverage ,Medicare ,Supplemental ,Insurance ,provides ,since
,his ,health ,care ,needs ,are,different ,from ,his ,wife's ,needs. ,What ,could ,you
,tell ,Mr. ,Moy?correct ,answersMedicare,Supplemental ,Insurance ,would ,help
,cover ,his ,Part ,A ,and ,Part ,B ,deductibles ,or coinsurance ,in ,Original ,Fee-for-
Service ,(FFS) ,Medicare ,as ,well ,as ,possibly ,some services ,that ,Medicare
,does ,not ,cover.
Mrs. ,Peňa ,is ,66 ,years ,old, ,has ,coverage ,under ,an ,employer ,plan, ,and ,will
,retire ,next year. ,She ,heard ,she ,must ,enroll ,in ,Part ,B ,at ,the ,beginning ,of
,the ,year ,to ,ensure ,no ,gap,in ,coverage. ,What ,can ,you ,tell ,her?correct
,answersShe ,may ,enroll ,at ,any ,time ,while ,she ,is ,covered ,under ,her
,employer ,plan, ,but ,she ,will ,have ,a ,special ,eight-month enrollment ,period
,after ,the ,last ,month ,on ,her ,employer ,plan ,that ,differs ,from ,the ,standard
,general ,enrollment ,period, ,during ,which ,she ,may ,enroll ,in ,Medicare ,Part
,B.
Mrs. ,Chen ,will ,be ,65 ,soon, ,has ,been ,a ,citizen ,for ,twelve ,years, ,has ,been
,employed ,full time, ,and ,paid ,taxes ,during ,that ,entire ,period. ,She ,is
,concerned ,that ,she ,will ,not ,qualify,for ,coverage ,under ,part ,A ,because ,she
,was ,not ,born ,in ,the ,United ,States. ,What ,should,you ,tell ,her?correct
,answersMost ,individuals ,who ,are ,citizens ,and ,age ,65 ,or ,over ,are covered
,under ,Part ,A ,by ,virtue ,of ,having ,paid ,Medicare ,taxes ,while ,working,
,though some ,may ,be ,covered ,as ,a ,result ,of ,paying ,monthly ,premiums.
pg. 1
,2
Mrs. ,Gonzalez ,is ,enrolled ,in ,Original ,Medicare ,and ,has ,a ,Medigap ,policy
,as ,well, ,but ,it provides ,no ,drug ,coverage. ,She ,would ,like ,to ,keep ,the
,coverage ,she ,has ,but ,replace her ,existing ,Medigap ,plan ,with ,one ,that
,provides ,drug ,coverage. ,What ,should ,you ,tell ,her?correct ,answersMrs.
,Gonzalez ,cannot ,purchase ,a ,Medigap ,plan ,that ,covers ,drugs,,but ,she ,could
,keep ,her ,Medigap ,policy ,and ,enroll ,in ,a ,Part ,D ,prescription ,drug ,plan.
Mrs. ,West ,wears ,glasses ,and ,dentures ,and ,has ,enjoyed ,considerable ,pain
,relief ,from arthritis ,through ,massage ,therapy. ,She ,is ,concerned ,about
,whether ,or ,not ,Medicare ,will,cover ,these ,items ,and ,services. ,What ,should
,you ,tell ,her?correct ,answersMedicare does ,not ,cover ,massage ,therapy, ,or,
,in ,general, ,glasses ,or ,dentures.
Mr., Patel ,is ,in ,good ,health ,and ,is ,preparing ,a ,budget ,in ,anticipation ,of ,his
,retirement when ,he ,turns ,66. ,He ,wants ,to ,understand ,the ,health ,care ,costs
,he ,might ,be ,exposed ,to,under ,Medicare ,if ,he ,were ,to ,require ,hospitalization
,as ,a ,result ,of ,an ,illness. ,In ,general terms, ,what ,could ,you ,tell ,him ,about
,his ,costs ,for ,inpatient ,hospital ,services
under ,Original ,Medicare?correct ,answersUnder ,Original ,Medicare, ,there ,is ,a
,single deductible ,amount ,due ,for ,the ,first ,60 ,days ,of ,any ,inpatient ,hospital
,stay, ,after ,which ,it converts ,into ,a ,per-day ,coinsurance ,amount ,through ,day
,90. ,After ,day ,90, ,he ,would ,pay,a ,daily ,amount ,up ,to ,60 ,days ,over ,his
,lifetime, ,after ,which ,he ,would ,be ,responsible ,for all ,costs.
Ms. ,Henderson ,believes ,that ,she ,will ,qualify ,for ,Medicare ,Coverage ,when
,she ,turns ,65, ,without ,paying ,any ,premiums, ,because ,she ,has ,been ,working
,for ,40 ,years ,and ,paying ,Medicare ,taxes. ,What ,should ,you ,tell ,her?correct
,answersTo ,obtain ,Part ,B ,coverage, she ,must ,pay ,a ,standard ,monthly
,premium, ,though ,it ,is ,higher ,for ,individuals ,with ,higher,incomes.
pg. 2
,3
Mr. ,Alonso ,receives ,some ,help ,paying ,for ,his ,two ,generic ,prescription
,drugs ,from ,his employer's ,retiree ,coverage, ,but ,he ,wants ,to ,compare ,it ,to
,a ,Part ,D ,prescription ,drug plan. ,He ,asks ,you ,what ,costs ,he ,would
,generally ,expect ,to ,encounter ,when ,enrolling into ,a ,standard ,MedicarePart
,D ,prescription ,drug ,plan. ,What ,should ,you ,tell ,him?correct,answers ,He
,generally ,would ,pay ,a ,monthly ,premium, ,annual ,deductible, ,and ,per-
prescription ,cost-sharing.
Mr. ,Davis ,is ,52 ,years ,old ,and ,has ,recently ,been ,diagnosed ,with ,end-stage
,renal ,disease,(ESRD) ,and ,will ,soon ,begin ,dialysis. ,He ,is ,wondering ,if ,he
,can ,obtain ,coverage ,under Medicare. ,What ,should ,you ,tell ,him?correct
,answersHe ,may ,sign-up ,for ,Medicare ,at any ,time ,however ,coverage
,usually ,begins ,on ,the ,fourth ,month ,after ,dialysis ,treatments start.
Juan ,Perez, ,who ,is ,turning ,age ,65 ,next ,month, ,intends ,to ,work ,for ,several
,more ,years ,at,Smallcap, ,Incorporated. ,Smallcap ,has ,a ,workforce ,of15
,employees ,and ,offers
employer-sponsored ,healthcare ,coverage. ,Juan ,is ,a ,naturalized ,citizen ,and
,has contributed ,to ,the ,Medicare ,system ,for ,over ,20 ,years. ,Juan ,asks ,you
,if ,he ,will ,be entitled ,to ,Medicare ,and ,if ,he ,enrolls ,how ,that ,will ,impact
,his ,employer-sponsored healthcare ,coverage. ,How ,would ,you
,respond?correct ,answersJuan ,is ,likely ,to ,be eligible ,for ,Medicare ,once ,he
,turns ,age ,65 ,and ,if ,he ,enrolls ,Medicare ,would ,become ,the,primary ,payor
,of ,his ,healthcare ,claims ,and ,Smallcap ,does ,not ,have ,to ,continue ,to ,offer
him ,coverage ,comparable ,to ,those ,under ,age ,65 ,under ,its ,employer-
sponsored ,group ,health ,plan.
Ms. ,Moore ,plans ,to ,retire ,when ,she ,turns ,65 ,in ,a ,few ,months. ,She ,is ,in
pg. 3
, 4
,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?correct
,answersMedicare ,is ,a ,program ,for ,people ,age ,65 ,or ,older ,and those ,under
,age ,65 ,with ,certain ,disabilities, ,end-stage ,renal ,disease, ,and ,Lou ,Gehrig's
disease ,so ,she ,will ,be ,eligible ,for ,Medicare.
Mr. ,Xi ,will ,soon ,turn ,age ,65 ,and ,has ,come ,to ,you ,for ,advice ,as ,to ,what
,services ,are provided ,under ,Original ,Medicare. ,What ,should ,you ,tell ,Mr.
,Xi ,that ,best ,describes ,the health ,coverage ,provided ,to ,Medicare
,beneficiaries?correct ,answersBeneficiaries ,under,Original ,Medicare ,have ,no
,cost-sharing ,for ,most ,preventive ,services ,which ,include immunizations ,such
,as ,annual ,flu ,shots.
pg. 4
AHIP Final Exam Test Questions and Answers
(2025/2026) Rated A+ Answers Correct/Verified
Mr., Moy’s, wife ,has ,a ,Medicare ,Advantage ,plan, ,but ,he ,wants ,to
,understand ,what coverage ,Medicare ,Supplemental ,Insurance ,provides ,since
,his ,health ,care ,needs ,are,different ,from ,his ,wife's ,needs. ,What ,could ,you
,tell ,Mr. ,Moy?correct ,answersMedicare,Supplemental ,Insurance ,would ,help
,cover ,his ,Part ,A ,and ,Part ,B ,deductibles ,or coinsurance ,in ,Original ,Fee-for-
Service ,(FFS) ,Medicare ,as ,well ,as ,possibly ,some services ,that ,Medicare
,does ,not ,cover.
Mrs. ,Peňa ,is ,66 ,years ,old, ,has ,coverage ,under ,an ,employer ,plan, ,and ,will
,retire ,next year. ,She ,heard ,she ,must ,enroll ,in ,Part ,B ,at ,the ,beginning ,of
,the ,year ,to ,ensure ,no ,gap,in ,coverage. ,What ,can ,you ,tell ,her?correct
,answersShe ,may ,enroll ,at ,any ,time ,while ,she ,is ,covered ,under ,her
,employer ,plan, ,but ,she ,will ,have ,a ,special ,eight-month enrollment ,period
,after ,the ,last ,month ,on ,her ,employer ,plan ,that ,differs ,from ,the ,standard
,general ,enrollment ,period, ,during ,which ,she ,may ,enroll ,in ,Medicare ,Part
,B.
Mrs. ,Chen ,will ,be ,65 ,soon, ,has ,been ,a ,citizen ,for ,twelve ,years, ,has ,been
,employed ,full time, ,and ,paid ,taxes ,during ,that ,entire ,period. ,She ,is
,concerned ,that ,she ,will ,not ,qualify,for ,coverage ,under ,part ,A ,because ,she
,was ,not ,born ,in ,the ,United ,States. ,What ,should,you ,tell ,her?correct
,answersMost ,individuals ,who ,are ,citizens ,and ,age ,65 ,or ,over ,are covered
,under ,Part ,A ,by ,virtue ,of ,having ,paid ,Medicare ,taxes ,while ,working,
,though some ,may ,be ,covered ,as ,a ,result ,of ,paying ,monthly ,premiums.
pg. 1
,2
Mrs. ,Gonzalez ,is ,enrolled ,in ,Original ,Medicare ,and ,has ,a ,Medigap ,policy
,as ,well, ,but ,it provides ,no ,drug ,coverage. ,She ,would ,like ,to ,keep ,the
,coverage ,she ,has ,but ,replace her ,existing ,Medigap ,plan ,with ,one ,that
,provides ,drug ,coverage. ,What ,should ,you ,tell ,her?correct ,answersMrs.
,Gonzalez ,cannot ,purchase ,a ,Medigap ,plan ,that ,covers ,drugs,,but ,she ,could
,keep ,her ,Medigap ,policy ,and ,enroll ,in ,a ,Part ,D ,prescription ,drug ,plan.
Mrs. ,West ,wears ,glasses ,and ,dentures ,and ,has ,enjoyed ,considerable ,pain
,relief ,from arthritis ,through ,massage ,therapy. ,She ,is ,concerned ,about
,whether ,or ,not ,Medicare ,will,cover ,these ,items ,and ,services. ,What ,should
,you ,tell ,her?correct ,answersMedicare does ,not ,cover ,massage ,therapy, ,or,
,in ,general, ,glasses ,or ,dentures.
Mr., Patel ,is ,in ,good ,health ,and ,is ,preparing ,a ,budget ,in ,anticipation ,of ,his
,retirement when ,he ,turns ,66. ,He ,wants ,to ,understand ,the ,health ,care ,costs
,he ,might ,be ,exposed ,to,under ,Medicare ,if ,he ,were ,to ,require ,hospitalization
,as ,a ,result ,of ,an ,illness. ,In ,general terms, ,what ,could ,you ,tell ,him ,about
,his ,costs ,for ,inpatient ,hospital ,services
under ,Original ,Medicare?correct ,answersUnder ,Original ,Medicare, ,there ,is ,a
,single deductible ,amount ,due ,for ,the ,first ,60 ,days ,of ,any ,inpatient ,hospital
,stay, ,after ,which ,it converts ,into ,a ,per-day ,coinsurance ,amount ,through ,day
,90. ,After ,day ,90, ,he ,would ,pay,a ,daily ,amount ,up ,to ,60 ,days ,over ,his
,lifetime, ,after ,which ,he ,would ,be ,responsible ,for all ,costs.
Ms. ,Henderson ,believes ,that ,she ,will ,qualify ,for ,Medicare ,Coverage ,when
,she ,turns ,65, ,without ,paying ,any ,premiums, ,because ,she ,has ,been ,working
,for ,40 ,years ,and ,paying ,Medicare ,taxes. ,What ,should ,you ,tell ,her?correct
,answersTo ,obtain ,Part ,B ,coverage, she ,must ,pay ,a ,standard ,monthly
,premium, ,though ,it ,is ,higher ,for ,individuals ,with ,higher,incomes.
pg. 2
,3
Mr. ,Alonso ,receives ,some ,help ,paying ,for ,his ,two ,generic ,prescription
,drugs ,from ,his employer's ,retiree ,coverage, ,but ,he ,wants ,to ,compare ,it ,to
,a ,Part ,D ,prescription ,drug plan. ,He ,asks ,you ,what ,costs ,he ,would
,generally ,expect ,to ,encounter ,when ,enrolling into ,a ,standard ,MedicarePart
,D ,prescription ,drug ,plan. ,What ,should ,you ,tell ,him?correct,answers ,He
,generally ,would ,pay ,a ,monthly ,premium, ,annual ,deductible, ,and ,per-
prescription ,cost-sharing.
Mr. ,Davis ,is ,52 ,years ,old ,and ,has ,recently ,been ,diagnosed ,with ,end-stage
,renal ,disease,(ESRD) ,and ,will ,soon ,begin ,dialysis. ,He ,is ,wondering ,if ,he
,can ,obtain ,coverage ,under Medicare. ,What ,should ,you ,tell ,him?correct
,answersHe ,may ,sign-up ,for ,Medicare ,at any ,time ,however ,coverage
,usually ,begins ,on ,the ,fourth ,month ,after ,dialysis ,treatments start.
Juan ,Perez, ,who ,is ,turning ,age ,65 ,next ,month, ,intends ,to ,work ,for ,several
,more ,years ,at,Smallcap, ,Incorporated. ,Smallcap ,has ,a ,workforce ,of15
,employees ,and ,offers
employer-sponsored ,healthcare ,coverage. ,Juan ,is ,a ,naturalized ,citizen ,and
,has contributed ,to ,the ,Medicare ,system ,for ,over ,20 ,years. ,Juan ,asks ,you
,if ,he ,will ,be entitled ,to ,Medicare ,and ,if ,he ,enrolls ,how ,that ,will ,impact
,his ,employer-sponsored healthcare ,coverage. ,How ,would ,you
,respond?correct ,answersJuan ,is ,likely ,to ,be eligible ,for ,Medicare ,once ,he
,turns ,age ,65 ,and ,if ,he ,enrolls ,Medicare ,would ,become ,the,primary ,payor
,of ,his ,healthcare ,claims ,and ,Smallcap ,does ,not ,have ,to ,continue ,to ,offer
him ,coverage ,comparable ,to ,those ,under ,age ,65 ,under ,its ,employer-
sponsored ,group ,health ,plan.
Ms. ,Moore ,plans ,to ,retire ,when ,she ,turns ,65 ,in ,a ,few ,months. ,She ,is ,in
pg. 3
, 4
,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?correct
,answersMedicare ,is ,a ,program ,for ,people ,age ,65 ,or ,older ,and those ,under
,age ,65 ,with ,certain ,disabilities, ,end-stage ,renal ,disease, ,and ,Lou ,Gehrig's
disease ,so ,she ,will ,be ,eligible ,for ,Medicare.
Mr. ,Xi ,will ,soon ,turn ,age ,65 ,and ,has ,come ,to ,you ,for ,advice ,as ,to ,what
,services ,are provided ,under ,Original ,Medicare. ,What ,should ,you ,tell ,Mr.
,Xi ,that ,best ,describes ,the health ,coverage ,provided ,to ,Medicare
,beneficiaries?correct ,answersBeneficiaries ,under,Original ,Medicare ,have ,no
,cost-sharing ,for ,most ,preventive ,services ,which ,include immunizations ,such
,as ,annual ,flu ,shots.
pg. 4
