AHIP FINAL EXAM 2026 STUDY
GUIDE | PRACTICE QUESTIONS,
ANSWERS & RATIONALES
| GRADED A+ | GUARANTEED
SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
, Agent John Miller is meeting with Jerry Smith, a new Tell prospect Jerry Smith that he should consider adding a standalone Part D
prospect. Jerry is currently enrolled in Medicare Parts A prescription drug coverage policy to his present coverage.
and B. Jerry has also purchased a Medicare Supplement
(Medigap) plan which he has had for several years.
However, the plan does not provide drug benefits. How
would you advise Agent John Miller to proceed?
Mr. Davis is 52 years old and has recently been He may sign-up for Medicare at any time however coverage usually begins on the
diagnosed with end-stage renal disease (ESRD) and will fourth month after dialysis treatments start.
soon begin dialysis. He is wondering if he can obtain
coverage under Medicare. What should you tell him?
Mr. Diaz continued working with his company and was Mr. Diaz will not pay any penalty because he had continuous coverage under his
insured under his employer's group plan until he reached employer's plan.
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?
Madeline Martinez was widowed several years ago. Her You should tell Madeline that she will be able to enroll in Medicare Part A without
husband worked for many years and contributed into the paying monthly premiums due to her husband's long work record and
Medicare system. He also left a substantial estate which participation in the Medicare system. You should also tell Madeline that she will
provides Madeline with an annual income of pay Part B premiums at more than the standard lowest rate but less than the
approximately $130,000. Madeline, who has only worked highest rate due her substantial income.
part-time for the last three years, will soon turn age 65
and hopes to enroll in Original Medicare. She comes to
you for advice. What should you tell her?
Edward IP suffered from serious kidney disease. As a Individuals eligible for Medicare based on ESRD generally lose eligibility 36
result. Edward became eligible for Medicare coverage months after the month in which the individual receives a kidney transplant unless
due to end-stage renal disease (ESRD). A close relative they are eligible for Medicare on another basis such as age or disability. Edward
donated their kidney and Edward successfully underwent may, however, remain enrolled in Part B but solely for coverage of
transplant surgery 12 months ago. Edward is now age 50 immunosuppressive drugs if he has no other health care coverage that would
and asks you if his Medicare coverage will continue, what cover the drugs.
should you say?
Mrs. Peňa is 66 years old, has coverage under an She may enroll at any time while she is covered under her employer plan, but she
employer plan, and will retire next year. She heard she will have a special eight-month enrollment period after the last month on her
must enroll in Part B at the beginning of the year to employer plan that differs from the standard general enrollment period, during
ensure no gap in coverage. What can you tell her? which she may enroll in Medicare Part B.
Mr. Capadona would like to purchase a Medicare It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA
Advantage (MA) plan and a Medigap plan to pick up plan, and besides, Medigap only works with Original Medicare.
costs not covered by that plan. What should you tell him?
Ms. Henderson believes that she will qualify for Medicare To obtain Part B coverage, she must pay a standard monthly premium, though it is
Coverage when she turns 65, without paying any higher for individuals with higher incomes.
premiums, because she has been working for 40 years
and paying Medicare taxes. What should you tell her?
GUIDE | PRACTICE QUESTIONS,
ANSWERS & RATIONALES
| GRADED A+ | GUARANTEED
SUCCESS
Updated 2026 Questions and Answers
100% Verified Exam Prep and Comprehensive
Rationales Included
, Agent John Miller is meeting with Jerry Smith, a new Tell prospect Jerry Smith that he should consider adding a standalone Part D
prospect. Jerry is currently enrolled in Medicare Parts A prescription drug coverage policy to his present coverage.
and B. Jerry has also purchased a Medicare Supplement
(Medigap) plan which he has had for several years.
However, the plan does not provide drug benefits. How
would you advise Agent John Miller to proceed?
Mr. Davis is 52 years old and has recently been He may sign-up for Medicare at any time however coverage usually begins on the
diagnosed with end-stage renal disease (ESRD) and will fourth month after dialysis treatments start.
soon begin dialysis. He is wondering if he can obtain
coverage under Medicare. What should you tell him?
Mr. Diaz continued working with his company and was Mr. Diaz will not pay any penalty because he had continuous coverage under his
insured under his employer's group plan until he reached employer's plan.
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?
Madeline Martinez was widowed several years ago. Her You should tell Madeline that she will be able to enroll in Medicare Part A without
husband worked for many years and contributed into the paying monthly premiums due to her husband's long work record and
Medicare system. He also left a substantial estate which participation in the Medicare system. You should also tell Madeline that she will
provides Madeline with an annual income of pay Part B premiums at more than the standard lowest rate but less than the
approximately $130,000. Madeline, who has only worked highest rate due her substantial income.
part-time for the last three years, will soon turn age 65
and hopes to enroll in Original Medicare. She comes to
you for advice. What should you tell her?
Edward IP suffered from serious kidney disease. As a Individuals eligible for Medicare based on ESRD generally lose eligibility 36
result. Edward became eligible for Medicare coverage months after the month in which the individual receives a kidney transplant unless
due to end-stage renal disease (ESRD). A close relative they are eligible for Medicare on another basis such as age or disability. Edward
donated their kidney and Edward successfully underwent may, however, remain enrolled in Part B but solely for coverage of
transplant surgery 12 months ago. Edward is now age 50 immunosuppressive drugs if he has no other health care coverage that would
and asks you if his Medicare coverage will continue, what cover the drugs.
should you say?
Mrs. Peňa is 66 years old, has coverage under an She may enroll at any time while she is covered under her employer plan, but she
employer plan, and will retire next year. She heard she will have a special eight-month enrollment period after the last month on her
must enroll in Part B at the beginning of the year to employer plan that differs from the standard general enrollment period, during
ensure no gap in coverage. What can you tell her? which she may enroll in Medicare Part B.
Mr. Capadona would like to purchase a Medicare It is illegal for you to sell Mr. Capadona a Medigap plan if he is enrolled in an MA
Advantage (MA) plan and a Medigap plan to pick up plan, and besides, Medigap only works with Original Medicare.
costs not covered by that plan. What should you tell him?
Ms. Henderson believes that she will qualify for Medicare To obtain Part B coverage, she must pay a standard monthly premium, though it is
Coverage when she turns 65, without paying any higher for individuals with higher incomes.
premiums, because she has been working for 40 years
and paying Medicare taxes. What should you tell her?
