AHIP Final Exam Test Questions with
well Explained Answers Latest 2026-
2027 GRADED A+
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from
arthritis through acupuncture. She is concerned about whether or not Medicare will
cover these items and services. What should you tell her? - CORRECT ANSWERS-
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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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.
Mr. Torres has a small savings account. He would like to pay for his monthly Part D
premiums with an automatic monthly withdrawal from his savings account until it is
exhausted, and then have his premiums withheld from his Social Security check.
What should you tell him? - CORRECT ANSWERS-In general, he must select a
single Part D premium payment mechanism that will be used throughout the year.
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? -
CORRECT ANSWERS-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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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? -
CORRECT ANSWERS-Part A, which covers hospital, skilled nursing facility, hospice
and home health services and Part B, which covers professional services such as
those provided by a doctor are covered under Original Medicare.
You are seeking to represent an individual Medicare Advantage plan and an
individual Part D plan in your state. You have completed the required training for
each plan, but you did not achieve a passing score on the tests that came after the
training. What can you do in this situation? - CORRECT ANSWERS-You will not be
able to represent any Medicare Advantage or Part D plan until you complete the
training and achieve an adequate score, although you will not have to take a test if
you exclusively market employer/union group plans and the companies do not require
testing.
well Explained Answers Latest 2026-
2027 GRADED A+
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief from
arthritis through acupuncture. She is concerned about whether or not Medicare will
cover these items and services. What should you tell her? - CORRECT ANSWERS-
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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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.
Mr. Torres has a small savings account. He would like to pay for his monthly Part D
premiums with an automatic monthly withdrawal from his savings account until it is
exhausted, and then have his premiums withheld from his Social Security check.
What should you tell him? - CORRECT ANSWERS-In general, he must select a
single Part D premium payment mechanism that will be used throughout the year.
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? -
CORRECT ANSWERS-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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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? - CORRECT ANSWERS-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? -
CORRECT ANSWERS-Part A, which covers hospital, skilled nursing facility, hospice
and home health services and Part B, which covers professional services such as
those provided by a doctor are covered under Original Medicare.
You are seeking to represent an individual Medicare Advantage plan and an
individual Part D plan in your state. You have completed the required training for
each plan, but you did not achieve a passing score on the tests that came after the
training. What can you do in this situation? - CORRECT ANSWERS-You will not be
able to represent any Medicare Advantage or Part D plan until you complete the
training and achieve an adequate score, although you will not have to take a test if
you exclusively market employer/union group plans and the companies do not require
testing.
