AHIP NONDISCRIMINATION ACTUAL EXAM
SCRIPT 2026 QUESTIONS AND SOLUTIONS
GRADED A+
◉This year you decide to focus your efforts on marketing to
employer and union groups. Which of the following statements best
describes what you can and cannot do in order to stay in
compliance? Answer: You are not required to submit
communication and marketing materials specific only to those
employer plans to CMS at the time of use, but CMS may request and
review copies if employee complaints occur.
◉Agent Suma has recently had several clients request his assistance
in completing their paper enrollment form. What advice would you
give him? Answer: Agent Suma is only permitted to fill out the
applicant's name and contact information. The applicant must fill in
the remaining information in order to protect his or her privacy.
◉Mrs. Quinn recently turned 66 and decided after many years of
work to begin receiving Social Security benefits. Shortly thereafter
Mrs. Quinn received a letter informing her that she has been
automatically enrolled in Medicare Part B. She wants to understand
what this means. What should you tell Mrs. Quinn? Answer: Part B
primarily covers physician services. She will be paying a monthly
,premium and, with the exception of many preventive and screening
tests, generally will have 20% coinsurance for these services, in
addition to an annual deductible.
◉Mrs. Turner is comparing her employer's retiree insurance to
Original Medicare and would like to know which of the following
services Original Medicare will cover if the appropriate criteria are
met? What could you tell her? Answer: Original Medicare covers
ambulance services.
◉Mr. Diaz continued working with his company and was insured
under his employer's group plan until he reached age 68. He has
heard that there is a premium penalty for those who did not sign up
for Part B when first eligible and wants to know how much he will
have to pay. What should you tell him? Answer: Mr. Diaz will not pay
any penalty because he had continuous coverage under his
employer's plan.
◉Anita Magri will turn age 65 in August 2020. Anita intends to
enroll in Original Medicare Part A and Part B. She would also like to
enroll in a Medicare Supplement (Medigap) plan. Anita's older
neighbor Mel has told her about the Medigap Part F plan in which he
is enrolled. It not only provides foreign travel emergency benefits
but also covers his Medicare Part B deductible. Anita comes to you
for advice. What should you tell her Answer: You are sorry to
disappoint Anita but a Medigap Part F plan is no longer available to
those who turn age 65 after January 1,2020. Anita might instead
,consider other Medigap plans that offer foreign travel benefits but
do not cover the Part B deductible.
◉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? Answer: Medicare
Supplemental Insurance would help cover his Part A and Part B cost
sharing in Original Fee-for-Service (FFS) Medicare as well as
possibly some services that Medicare does not cover.
◉Mr. Bauer is 49 years old, but eighteen months ago he was
declared disabled by the Social Security Administration and has
been receiving disability payments. He is wondering whether he can
obtain coverage under Medicare. What should you tell him? Answer:
After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of 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? Answer: 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.
◉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? Answer: Medicare 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.
◉Mrs. Shields is covered by Original Medicare. She sustained a hip
fracture and is being successfully treated for that condition.
However, she and her physicians feel that after her lengthy hospital
stay she will need a month or two of nursing and rehabilitative care.
What should you tell them about Original Medicare's coverage of
care in a skilled nursing facility? Answer: Medicare will cover Mrs.
Shield's skilled nursing services provided during the first 20 days of
her stay, after which she would have a copay until she has been in
the facility for 100 days.
◉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? Answer: Beneficiaries under Original
Medicare have no cost-sharing for most preventive services which
include immunizations such as annual flu shots.
◉Mrs. Geisler's neighbor told her she should look at her Part D
options during the annual Medicare enrollment period because
features of Part D might have changed. Mrs. Geisler can't remember
what Part D is so she called you to ask what her neighbor was
SCRIPT 2026 QUESTIONS AND SOLUTIONS
GRADED A+
◉This year you decide to focus your efforts on marketing to
employer and union groups. Which of the following statements best
describes what you can and cannot do in order to stay in
compliance? Answer: You are not required to submit
communication and marketing materials specific only to those
employer plans to CMS at the time of use, but CMS may request and
review copies if employee complaints occur.
◉Agent Suma has recently had several clients request his assistance
in completing their paper enrollment form. What advice would you
give him? Answer: Agent Suma is only permitted to fill out the
applicant's name and contact information. The applicant must fill in
the remaining information in order to protect his or her privacy.
◉Mrs. Quinn recently turned 66 and decided after many years of
work to begin receiving Social Security benefits. Shortly thereafter
Mrs. Quinn received a letter informing her that she has been
automatically enrolled in Medicare Part B. She wants to understand
what this means. What should you tell Mrs. Quinn? Answer: Part B
primarily covers physician services. She will be paying a monthly
,premium and, with the exception of many preventive and screening
tests, generally will have 20% coinsurance for these services, in
addition to an annual deductible.
◉Mrs. Turner is comparing her employer's retiree insurance to
Original Medicare and would like to know which of the following
services Original Medicare will cover if the appropriate criteria are
met? What could you tell her? Answer: Original Medicare covers
ambulance services.
◉Mr. Diaz continued working with his company and was insured
under his employer's group plan until he reached age 68. He has
heard that there is a premium penalty for those who did not sign up
for Part B when first eligible and wants to know how much he will
have to pay. What should you tell him? Answer: Mr. Diaz will not pay
any penalty because he had continuous coverage under his
employer's plan.
◉Anita Magri will turn age 65 in August 2020. Anita intends to
enroll in Original Medicare Part A and Part B. She would also like to
enroll in a Medicare Supplement (Medigap) plan. Anita's older
neighbor Mel has told her about the Medigap Part F plan in which he
is enrolled. It not only provides foreign travel emergency benefits
but also covers his Medicare Part B deductible. Anita comes to you
for advice. What should you tell her Answer: You are sorry to
disappoint Anita but a Medigap Part F plan is no longer available to
those who turn age 65 after January 1,2020. Anita might instead
,consider other Medigap plans that offer foreign travel benefits but
do not cover the Part B deductible.
◉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? Answer: Medicare
Supplemental Insurance would help cover his Part A and Part B cost
sharing in Original Fee-for-Service (FFS) Medicare as well as
possibly some services that Medicare does not cover.
◉Mr. Bauer is 49 years old, but eighteen months ago he was
declared disabled by the Social Security Administration and has
been receiving disability payments. He is wondering whether he can
obtain coverage under Medicare. What should you tell him? Answer:
After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of 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? Answer: 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.
◉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? Answer: Medicare 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.
◉Mrs. Shields is covered by Original Medicare. She sustained a hip
fracture and is being successfully treated for that condition.
However, she and her physicians feel that after her lengthy hospital
stay she will need a month or two of nursing and rehabilitative care.
What should you tell them about Original Medicare's coverage of
care in a skilled nursing facility? Answer: Medicare will cover Mrs.
Shield's skilled nursing services provided during the first 20 days of
her stay, after which she would have a copay until she has been in
the facility for 100 days.
◉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? Answer: Beneficiaries under Original
Medicare have no cost-sharing for most preventive services which
include immunizations such as annual flu shots.
◉Mrs. Geisler's neighbor told her she should look at her Part D
options during the annual Medicare enrollment period because
features of Part D might have changed. Mrs. Geisler can't remember
what Part D is so she called you to ask what her neighbor was
