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ANSWER KEY FOR AHIP Final Exam Test Questions
and VERIFIED Answers 2026 GRADED A+ Answers
100% ACCURATE Correct
Mrs. Quinn has just turned 65, is in excellent health and has a relatively high
income. She uses no medications and sees no reason to spend money on a
Medicare prescription drug plan if she does not need the coverage. She currently
does not have creditable coverage. What could you tell her about the implications
of such a decision? -correct-answer-If she does not sign up for a Medicare
prescription drug plan as soon as she is eligible to do so, and if she does sign up at
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a later date, her premium will be permanently increased by 1% of the national
average premium for every month that she was not covered.
Mrs. Walters is entitled to Part A and has medical coverage without drug coverage
through an employer retiree plan. She is not enrolled in Part B. Since the
employer plan does not cover prescription drugs, she wants to enroll in a
Medicare prescription drug plan. Will she be able to? -correct-answer-Yes. Mrs.
Walters must be entitled to Part A and/or enrolled in Part B to be eligible for
coverage under the Medicare prescription drug program.
Mr. Wells is trying to understand the difference between Original Medicare and
Medicare Advantage. What would be the correct description? -correct-
answerMedicare Advantage is a way of covering all the Original Medicare benefits
through private health insurance companies.
Mr. Kumar is considering a Medicare Advantage HMO and has questions about his
ability to access providers. What should you tell him? -correct-answer-In most
Medicare Advantage HMOs, Mr. Kumar must generally obtain his services only
from providers within the plan's network (except in an emergency or where care
is unavailable within the network).
Mrs. Fields wants to know whether applying for the Part D low-income subsidy
will be worth the time to fill out the paperwork. What could you tell her? -
correctanswer-The Part D low-income subsidy could substantially lower her
overall costs. She can apply by contacting her state Medicaid office or calling the
Social Security Administration.
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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-answer-In general, he must select a
single Part D premium payment mechanism that will be used throughout the year.
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-answer-He could check with the manufacturers of
his medications to see if they offer an assistance program to help people with
limited means to 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.
Charles McCarthy is a Medicare beneficiary who suffers from diabetes. Mr.
McCarthy is considering enrollment in a MA-PD plan that you represent. He asks
you whether his insulin costs will be covered. What should you say? -
correctanswer-Mr. McCarthy's insulin costs for a one-month supply cannot be
more than $35 in any coverage phase under the prescription drug plan beginning
in 2023.
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Which of the following individuals is most likely to be eligible to enroll in a Part D
Plan? -correct-answer-Jose, a grandfather who was granted asylum and has
worked in the United States for many years.
Mrs. Lopez is enrolled in a cost plan for her Medicare benefits. She has recently
lost creditable coverage previously available through her husband's employer. She
is interested in enrolling in a Medicare Part D prescription drug plan (PDP). What
should you tell her? -correct-answer-If a Part D benefit is offered through her plan
she may choose to enroll in that plan or a standalone PDP.
Mr. Schultz was still working when he first qualified for Medicare. At that time, he
had employer group coverage that was creditable. During his initial Part D
eligibility period, he decided not to enroll because he was satisfied with his drug
coverage. It is now a year later and Mr. Schultz has lost his employer group
coverage within the last two weeks. How would you advise him? -correct-
answerMr. Schultz should enroll in a Part D plan before he has a 63-day break in
coverage in order to avoid a premium penalty.
Mr. Hutchinson has drug coverage through his former employer's retiree plan. He
is concerned about the Part D premium penalty if he does not enroll in a
Medicare prescription drug plan, but does not want to purchase extra coverage
that he will not need. What should you tell him? -correct-answer-If the drug
coverage he has is not expected to pay, on average, at least as much as
Medicare's standard Part D coverage expects to pay, then he will need to enroll in
Medicare Part D during his initial eligibility period to avoid the late enrollment
penalty.
ANSWER KEY FOR AHIP Final Exam Test Questions
and VERIFIED Answers 2026 GRADED A+ Answers
100% ACCURATE Correct
Mrs. Quinn has just turned 65, is in excellent health and has a relatively high
income. She uses no medications and sees no reason to spend money on a
Medicare prescription drug plan if she does not need the coverage. She currently
does not have creditable coverage. What could you tell her about the implications
of such a decision? -correct-answer-If she does not sign up for a Medicare
prescription drug plan as soon as she is eligible to do so, and if she does sign up at
,2 | Page
a later date, her premium will be permanently increased by 1% of the national
average premium for every month that she was not covered.
Mrs. Walters is entitled to Part A and has medical coverage without drug coverage
through an employer retiree plan. She is not enrolled in Part B. Since the
employer plan does not cover prescription drugs, she wants to enroll in a
Medicare prescription drug plan. Will she be able to? -correct-answer-Yes. Mrs.
Walters must be entitled to Part A and/or enrolled in Part B to be eligible for
coverage under the Medicare prescription drug program.
Mr. Wells is trying to understand the difference between Original Medicare and
Medicare Advantage. What would be the correct description? -correct-
answerMedicare Advantage is a way of covering all the Original Medicare benefits
through private health insurance companies.
Mr. Kumar is considering a Medicare Advantage HMO and has questions about his
ability to access providers. What should you tell him? -correct-answer-In most
Medicare Advantage HMOs, Mr. Kumar must generally obtain his services only
from providers within the plan's network (except in an emergency or where care
is unavailable within the network).
Mrs. Fields wants to know whether applying for the Part D low-income subsidy
will be worth the time to fill out the paperwork. What could you tell her? -
correctanswer-The Part D low-income subsidy could substantially lower her
overall costs. She can apply by contacting her state Medicaid office or calling the
Social Security Administration.
,3 | Page
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-answer-In general, he must select a
single Part D premium payment mechanism that will be used throughout the year.
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-answer-He could check with the manufacturers of
his medications to see if they offer an assistance program to help people with
limited means to 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.
Charles McCarthy is a Medicare beneficiary who suffers from diabetes. Mr.
McCarthy is considering enrollment in a MA-PD plan that you represent. He asks
you whether his insulin costs will be covered. What should you say? -
correctanswer-Mr. McCarthy's insulin costs for a one-month supply cannot be
more than $35 in any coverage phase under the prescription drug plan beginning
in 2023.
, 4 | Page
Which of the following individuals is most likely to be eligible to enroll in a Part D
Plan? -correct-answer-Jose, a grandfather who was granted asylum and has
worked in the United States for many years.
Mrs. Lopez is enrolled in a cost plan for her Medicare benefits. She has recently
lost creditable coverage previously available through her husband's employer. She
is interested in enrolling in a Medicare Part D prescription drug plan (PDP). What
should you tell her? -correct-answer-If a Part D benefit is offered through her plan
she may choose to enroll in that plan or a standalone PDP.
Mr. Schultz was still working when he first qualified for Medicare. At that time, he
had employer group coverage that was creditable. During his initial Part D
eligibility period, he decided not to enroll because he was satisfied with his drug
coverage. It is now a year later and Mr. Schultz has lost his employer group
coverage within the last two weeks. How would you advise him? -correct-
answerMr. Schultz should enroll in a Part D plan before he has a 63-day break in
coverage in order to avoid a premium penalty.
Mr. Hutchinson has drug coverage through his former employer's retiree plan. He
is concerned about the Part D premium penalty if he does not enroll in a
Medicare prescription drug plan, but does not want to purchase extra coverage
that he will not need. What should you tell him? -correct-answer-If the drug
coverage he has is not expected to pay, on average, at least as much as
Medicare's standard Part D coverage expects to pay, then he will need to enroll in
Medicare Part D during his initial eligibility period to avoid the late enrollment
penalty.
