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AHIP FINAL EXAM 2026 WITH
QUESTIONS AND ANSWERS
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 answer-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 answer-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 answer-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.
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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.
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 answer-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 answer-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 answer-Medicare Part D drug plans may have different benefit
AHIP FINAL EXAM 2026 WITH
QUESTIONS AND ANSWERS
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 answer-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 answer-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 answer-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.
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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.
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 answer-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 answer-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 answer-Medicare Part D drug plans may have different benefit
