AHIP 2024 FINAL EXAM QUESTIONS
WITH CORRECT ANSWERS 2024
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that mig
ht be of assistance? - correct answer-
She should contact her state Medicaid agency to see if she qualifies forprograms that can help with Med
icare costs for which she isRresponsible.
Madeline Martinez was widowed several years ago. Her husband worked for many years and contribute
d into the Medicare system. He also left a substantial estate which provides Madeline with an annual inc
ome of approximately $130,000. Madeline, who has only worked part-
time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. She comes t
o you for advice. What should you tell her? - correct answer-
You should tell Madeline that she will be able to enroll in Medicare Part A without paying monthly prem
iums due to her husband's long work record and participation in the Medicare system. You should also t
ell Madeline that she will pay Part B premiums at more than the standard lowest rate but less than the
highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social Security Adm
inistration and has been receiving disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him - correct answer-
After receivingRsuch disability payments for 24 months, he will be automatically enrolled in Medicare, re
gardlessRof age.
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 answer-
Part A, which covers hospital, skilled nursingRfacility, hospice and home health services and Part B, whic
h covers professional services such as those provided by a doctor are covered under Original Medicare.
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 answer-
She may enroll at any time while she is covered under her employer plan, but she will have a special eig
ht month enrollment period that differs from the standard general enrollment period, during which she
may enroll in Medicare Part B.
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in Medicare Pa
rts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan which he has had for sever
, al Lyears. LHowever, Lthe Lplan Ldoes Lnot Lprovide Ldrug Lbenefits. LHow Lwould Lyou Ladvise LAgent LJohn
LMiller Lto Lproceed? L- Lcorrect Lanswer-
Tell Lprospect LJerry LSmith Lthat Lhe Lshould Lconsider Ladding La Lstandalone LPart LD Lprescription Ldrug
Lcoverage Lpolicy Lto Lhis Lpresent Lcoverage.
Mr. LDiaz Lcontinued Lworking Lwith Lhis Lcompany Land Lwas Linsured Lunder Lhis Lemployer's Lgroup Lplan
Luntil Lhe Lreached Lage L68. LHe Lhas Lheard Lthat Lthere Lis La Lpremium Lpenalty Lfor Lthose Lwho Ldid Lnot
Lsign Lup Lfor LPart LB Lwhen Lfirst Leligible Land Lwants Lto Lknow Lhow Lmuch Lhe Lwill Lhave Lto Lpay. LWhat
Lshould Lyou Ltell Lhim? L-
correct Lanswer-The Lpenalty Lwill Lbe La Lpermanent L10% Lincrease Lin Lhis LPart LB Lpremium Lfor Levery
L12- Lmonth Lperiod Lthat Lpassed Lduring Lwhich Lhe Lcould Lhave Lenrolled Land Ldid Lnot.
Ms. LMoore Lplans Lto Lretire Lwhen Lshe Lturns L65 Lin La Lfew Lmonths. LShe Lis Lin Lexcellent Lhealth Land
Lwill Lhave Lco Lnsiderable Lincome Lwhen Lshe Lretires. LShe Lis Lconcerned Lthat Lher Lincome Lwill Lmake
Lit Limpossible Lfor Lher Lto Lqualify Lfor LMedicare. LWhat Lcould Lyou Ltell Lher Lto Laddress Lher Lconcern?
L- Lcorrect Lanswer-
Medicare Lis La Lprogram Lfor Lpeople Lage L65 Lor Lolder Land Lthose Lunder Lage L65 Lwith Lcertain
Ldisabilities, Lend- Lstage Lrenal Ldisease, Land LLou LGehrig's Ldisease Lso Lshe Lwill Lbe Leligible Lfor
LMedicare.
Mildred LSavage Lenrolled Lin LAllcare LMedicare LAdvantage Lplan Lseveral Lyears Lago. LMildred Lrecently
Llearned Lthat Lshe Lis Lsuffering Lfrom Linoperable Lcancer Land Lhas Ljust La Lfew Lmonths Lto Llive. LShe
Lwould Llike Lto Lspend Lt Lhese Lfinal Lmonths Lin Lhospice Lcare. LMildred's Lfamily Lasks Lyou Lwhether
Lhospice Lbenefits Lwill Lbe Lpaid Lfor Lu Lnder Lthe LAllcare LMedicare LAdvantage Lplan. LWhat Lshould
Lyou Lsay? L- Lcorrect Lanswer-
Mildred Lmay Lremain Lenrolled Lin LAllcare Land Lmake La Lhospice Lelection. LHospice Lbenefits Lwill Lbe
Lpaid Lfor Lby LOriginal LMedicare Lunder LPart LA Land LAllcare Lwill Lcontinue Lto Lpay Lfor Lany Lnon-
hospice Lservices.
Mr. LGomez Lnotes Lthat La LPrivate LFee-for-
Service L(PFFS) Lplan Lavailable Lin Lhis Larea Lhas Lan Lattractive Lpremium. LHe Lwants Lto Lknow Lif Lhe
Lmust Luse Ldoc Ltors Lin La Lnetwork Las Lhis Lcurrent LHMO Lplan Lrequires Lhim Lto Ldo. LWhat Lshould Lyou
Ltell Lhim? L-
correct Lanswer-
He Lmay Lreceive Lhealth Lcare Lservices Lfrom Lany Ldoctor Lallowed Lto Lbill LMedicare, Las Llong Las Lhe
Lshows Lthe Ld Loctor Lthe Lplan's Lidentification Lcard Land Lthe Ldoctor Lagrees Lto Laccept Lthe LPFFS
Lplan's Lpayment Lterms Land Lc Londitions, Lwhich Lcould Linclude Lbalance Lbilling.
Mr. LKelly Lwants Lto Lknow Lwhether Lhe LisReligible Lto Lsign Lup Lfor La LPrivate Lfee-for-
service L(PFFS) Lplan. LWhat Lquestions Lwould Lyou Lneed Lto Lask Lto Ldetermine Lhis Leligibility? L- Lcorrect
Lanswer- LYou Lwould Lneed Lto Lask LMr. LKelly Lif Lhe Lis Lenrolled Lin LPart LA Land LPart LB Land Lif Lhe Llives
Lin Lthe LPFFS Lplan's Lser Lvice Larea.
WITH CORRECT ANSWERS 2024
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell Mrs. Park that mig
ht be of assistance? - correct answer-
She should contact her state Medicaid agency to see if she qualifies forprograms that can help with Med
icare costs for which she isRresponsible.
Madeline Martinez was widowed several years ago. Her husband worked for many years and contribute
d into the Medicare system. He also left a substantial estate which provides Madeline with an annual inc
ome of approximately $130,000. Madeline, who has only worked part-
time for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. She comes t
o you for advice. What should you tell her? - correct answer-
You should tell Madeline that she will be able to enroll in Medicare Part A without paying monthly prem
iums due to her husband's long work record and participation in the Medicare system. You should also t
ell Madeline that she will pay Part B premiums at more than the standard lowest rate but less than the
highest rate due her substantial income.
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social Security Adm
inistration and has been receiving disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him - correct answer-
After receivingRsuch disability payments for 24 months, he will be automatically enrolled in Medicare, re
gardlessRof age.
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 answer-
Part A, which covers hospital, skilled nursingRfacility, hospice and home health services and Part B, whic
h covers professional services such as those provided by a doctor are covered under Original Medicare.
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 answer-
She may enroll at any time while she is covered under her employer plan, but she will have a special eig
ht month enrollment period that differs from the standard general enrollment period, during which she
may enroll in Medicare Part B.
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is currently enrolled in Medicare Pa
rts A and B. Jerry has also purchased a Medicare Supplement (Medigap) plan which he has had for sever
, al Lyears. LHowever, Lthe Lplan Ldoes Lnot Lprovide Ldrug Lbenefits. LHow Lwould Lyou Ladvise LAgent LJohn
LMiller Lto Lproceed? L- Lcorrect Lanswer-
Tell Lprospect LJerry LSmith Lthat Lhe Lshould Lconsider Ladding La Lstandalone LPart LD Lprescription Ldrug
Lcoverage Lpolicy Lto Lhis Lpresent Lcoverage.
Mr. LDiaz Lcontinued Lworking Lwith Lhis Lcompany Land Lwas Linsured Lunder Lhis Lemployer's Lgroup Lplan
Luntil Lhe Lreached Lage L68. LHe Lhas Lheard Lthat Lthere Lis La Lpremium Lpenalty Lfor Lthose Lwho Ldid Lnot
Lsign Lup Lfor LPart LB Lwhen Lfirst Leligible Land Lwants Lto Lknow Lhow Lmuch Lhe Lwill Lhave Lto Lpay. LWhat
Lshould Lyou Ltell Lhim? L-
correct Lanswer-The Lpenalty Lwill Lbe La Lpermanent L10% Lincrease Lin Lhis LPart LB Lpremium Lfor Levery
L12- Lmonth Lperiod Lthat Lpassed Lduring Lwhich Lhe Lcould Lhave Lenrolled Land Ldid Lnot.
Ms. LMoore Lplans Lto Lretire Lwhen Lshe Lturns L65 Lin La Lfew Lmonths. LShe Lis Lin Lexcellent Lhealth Land
Lwill Lhave Lco Lnsiderable Lincome Lwhen Lshe Lretires. LShe Lis Lconcerned Lthat Lher Lincome Lwill Lmake
Lit Limpossible Lfor Lher Lto Lqualify Lfor LMedicare. LWhat Lcould Lyou Ltell Lher Lto Laddress Lher Lconcern?
L- Lcorrect Lanswer-
Medicare Lis La Lprogram Lfor Lpeople Lage L65 Lor Lolder Land Lthose Lunder Lage L65 Lwith Lcertain
Ldisabilities, Lend- Lstage Lrenal Ldisease, Land LLou LGehrig's Ldisease Lso Lshe Lwill Lbe Leligible Lfor
LMedicare.
Mildred LSavage Lenrolled Lin LAllcare LMedicare LAdvantage Lplan Lseveral Lyears Lago. LMildred Lrecently
Llearned Lthat Lshe Lis Lsuffering Lfrom Linoperable Lcancer Land Lhas Ljust La Lfew Lmonths Lto Llive. LShe
Lwould Llike Lto Lspend Lt Lhese Lfinal Lmonths Lin Lhospice Lcare. LMildred's Lfamily Lasks Lyou Lwhether
Lhospice Lbenefits Lwill Lbe Lpaid Lfor Lu Lnder Lthe LAllcare LMedicare LAdvantage Lplan. LWhat Lshould
Lyou Lsay? L- Lcorrect Lanswer-
Mildred Lmay Lremain Lenrolled Lin LAllcare Land Lmake La Lhospice Lelection. LHospice Lbenefits Lwill Lbe
Lpaid Lfor Lby LOriginal LMedicare Lunder LPart LA Land LAllcare Lwill Lcontinue Lto Lpay Lfor Lany Lnon-
hospice Lservices.
Mr. LGomez Lnotes Lthat La LPrivate LFee-for-
Service L(PFFS) Lplan Lavailable Lin Lhis Larea Lhas Lan Lattractive Lpremium. LHe Lwants Lto Lknow Lif Lhe
Lmust Luse Ldoc Ltors Lin La Lnetwork Las Lhis Lcurrent LHMO Lplan Lrequires Lhim Lto Ldo. LWhat Lshould Lyou
Ltell Lhim? L-
correct Lanswer-
He Lmay Lreceive Lhealth Lcare Lservices Lfrom Lany Ldoctor Lallowed Lto Lbill LMedicare, Las Llong Las Lhe
Lshows Lthe Ld Loctor Lthe Lplan's Lidentification Lcard Land Lthe Ldoctor Lagrees Lto Laccept Lthe LPFFS
Lplan's Lpayment Lterms Land Lc Londitions, Lwhich Lcould Linclude Lbalance Lbilling.
Mr. LKelly Lwants Lto Lknow Lwhether Lhe LisReligible Lto Lsign Lup Lfor La LPrivate Lfee-for-
service L(PFFS) Lplan. LWhat Lquestions Lwould Lyou Lneed Lto Lask Lto Ldetermine Lhis Leligibility? L- Lcorrect
Lanswer- LYou Lwould Lneed Lto Lask LMr. LKelly Lif Lhe Lis Lenrolled Lin LPart LA Land LPart LB Land Lif Lhe Llives
Lin Lthe LPFFS Lplan's Lser Lvice Larea.
