AHIP ,FINAL ,EXAM ,TEST ,QUESTIONS ,AND
g g g g g
,ANSWERS 2024 (5 DIFFERENT VERSIONS 500+ QUEST
g g g g g g
IONS AND VERIFIED ANSWERS) COMPLETE AHIP FIN
g g g g g g
AL EXAM |ALREADY GRADED A+
g g g g
AgentgHarrietgWalkerghasgrecentlygbegungmarketinggMedicaregAdvantagegandgrelat
edgproductsgaimedgatgmeetinggthegneedsgofgseniorgcitizens.gClientgMildredgJonesgha
sgexpressedginterestgingagMedicaregAdvantagegplan.gItgisgnowgthegbeginninggofgSepte
mber.gIfgyougweregingAgentgWalker'sgposition,gwhatgwouldgyougdo?gCorrectgAnswer
:gInquiregwhethergthegclientgqualifiesgforgagspecialgenrollmentgperiod,gandgifgnot,gsol
icitgangenrollmentgapplicationgoncegthegannualgopengenrollmentgelectiongperiodgbegi
nsgongOctoberg15th.
Mrs.gFieldsgwantsgtogknowgwhethergapplyinggforgthegPartgDglowgincomegsubsidyg
willgbegworthgthegtimegtogfillgoutgthegpaperwork.gWhatgcouldgyougtellgher?gCorrect
gAnswer:gThegPartgDglowgincomegsubsidygcouldgsubstantiallyglowerghergoverallgc
osts.gShegcangapplygbygcontactingghergstategMedicaidgoffice,gorgcallinggthegSocialg
SecuritygAdministration
Mr.gWendtgsuffersgfromgdiabetesgwhichghasggottengprogressivelygworsegduringgthegl
astgyear.gHegisgcurrentlygenrolledgingOriginalgMedicareg(PartsgAgandgB)gandgagPartg
DgprescriptiongdruggplangandgdidgnotgenrollgingagMedicaregAdvantageg(MA)gplangd
uringgtheglastgannualgopengenrollmentgperiodg(AEP)gwhichghasgjustgclosed.gMr.
WendtghasgheardgcertaingMAgplansgmightgprovideghimgwithgmoregspecializedgcove
ragegforghisgdiabetesgandgwantsgtogknowgifghegmustgwaitguntilgthegnextgannualgopeng
enrollmentgperiodg(AEP)gbeforegenrollinggingsuchgagplan.gWhatgshouldgyougtellghim
?gCorrectgAnswer:gIfgtheregisgagspecialgneedsgplang(SNP)gingMr.gWendt'sgareagthatgs
pecializesgingcaringgforgindividualsgwithgdiabetes,ghegmaygenrollgingthegSNPgatganyg
timegundergagspecialgelectiongperiodg(SEP)
Ms.gMooregplansgtogretiregwhengshegturnsg65gingagfewgmonths.gShegisgingexcellentgh
ealthgandgwillghavegconsiderablegincomegwhengshegretires.gShegisgconcernedgthatghe
rgincomegwillgmakegitgimpossiblegforghergtogqualifygforgMedicare.gWhatgcouldgyougt
ellghergtogaddressghergconcern?gCorrectgAnswer:gMedicaregisgagprogramgforgpeopleg
ageg65gorgoldergandgthosegundergageg65gwithgcertaingdisabilities,gendgstagegrenalgdis
easegorgLougGehrig'sgdisease,gsogshegwillgbegeligiblegforgMedicare
Mr.gSchmidtgwouldglikegtogplangforgretirementgandghasgaskedgyougwhatgisgcoveredg
undergOriginalgFee-for-
gServiceg(FFS)gMedicare?gWhatgcouldgyougtellghim?gCorrectgAnswer:gPartgA,gwhich
gcoversghospital,gskilledgnursinggfacility,ghospicegandghome
,healthg servicesg andg Partg B,g whichg coversg professionalg servicesg suchg asg thoseg provi
dedgbygagdoctorgaregcoveredgundergOriginalgMedicare.
Mr.gHernandezgisgconcernedgthatgifghegsignsgupgforgagMedicaregAdvantagegplan,gthe
ghealthgplangmay,gatgsomegtimegingthegfuture,greduceghisgbenefitsgbelowgwhatgisgava
ilablegingOriginalgMedicare.gWhatgshouldgyougtellghimgaboutghisgconcern?
CorrectgAnswer:gMedicareghealthgplansgmustgcovergallgbenefitsgavailablegundergMedica
regPartgAgandgPartgB.gManygalsogcovergPartgDgprescriptiongdrugs.
Mrs.gRaskingisgagwidowgwhogwillgattaingagedg65gandgenrollgingMedicaregingjustgagfe
wgweeks.gShegconcernedgaboutghavinggprescriptiongdruggcoverage.gWhichgofgthegfo
llowinggstatementsgprovidesgthegbestgadvice?
CorrectgAnswer:gPrescriptiongdruggcoveragegcangbegobtainedgbygenrollinggingagMed
icaregAdvantagegplangthatgincludesgPartgDgcoverage.
Mrs.gWillardgwantsgtogknowggenerallyghowgthegbenefitsgundergOriginalgMedicareg
mightgcomparegtogthegbenefitgpackagegofgagMedicaregHealthgPlangbeforegshegstartsgl
ookinggatgspecificgplans.gWhatgcouldgyougtellgher?gCorrectgAnswer:gMedicaregHeal
th
PlansgmaygoffergextragbenefitsgthatgOriginalgMedicaregdoesgnot
,offergsuchgasgvision,ghearing,gandgdentalgservicesgandgmustgincludegagmaximum
goutof-pocketglimitgongPartgAgandgPartgBgservices.
Mr.gMeoni'sgwifeghasgagMedicaregAdvantagegplan,gbutghegwantsgtogunderstandgwhat
gcoveragegMedicaregSupplementalgInsurancegprovidesgsinceghisghealthgcaregneedsga
regdifferentgfromghisgwife'sgneeds.gWhatgcouldgyougtellgMr.Meoni?gCorrectgAnswer
:gMedicaregSupplementalgInsurancegwouldghelpgcoverghisgPartgAgandgPartgBgcostgsh
aringgingOriginalgFee-for-
Serviceg(FFS)gMedicaregasgwellgasgpossiblygsomegservicesgthatgMedicaregdoesgnotg
cover.
Mrs.gChengwillgbeg65gsoon,ghasgbeengagcitizengforgtwelvegyears,ghasgbeengemployed
gfullgtime,gandgpaidgtaxesgduringgthatgentiregperiod.gShegisgconcernedgthatgshegwillgn
otgqualifygforgcoveragegundergpartgAgbecausegshegwasgnotgborngingthegUnitedgStates
.gWhatgshouldgyougtellgher?gCorrectgAnswer:gMostgindividualsgwhogaregcitizensgan
dgovergageg65garegcoveredgundergPartgAgbygvirtuegofghavinggpaidgMedicaregtaxesgw
hilegworking,gthoughgsomegmaygbegcoveredgasgagresultgofgpayinggmonthlygpremium
s.
Mr.gBauergisg49gyearsgold,gbutgeighteengmonthsgagoghegwasgdeclaredgdisabledgbygthe
gSocialgSecuritygAdministrationgandghasgbeengreceivinggdisabilitygpayments.gHegisg
wonderinggwhetherghegcangobtaingcoveragegundergMedicare.gWhatgshouldgyougtellgh
im?gCorrectgAnswer:gAftergreceivinggsuchgdisabilitygpaymentsgforg24gmonths,ghegw
illgbegautomaticallygenrolledgingMedicare,gregardlessgofgage.
Mr.gDavisgisg49gyearsgoldgandghasgbeengreceivinggdisabilitygbenefitsgfromgthegSocial
gSecuritygAdministrationgforg12gmonths.gCangyougsellghimgagMedicaregAdvantagegor
gPartgDgPrescriptiongDruggpolicy?gCorrectgAnswer:gNo,ghegcannotgpurchasegagMedi
caregAdvantagegorgPartgDgpolicygbecausegheghasgnotgreceivedgSocialgSecuritygorgRai
lroadgRetirementgdisabilitygbenefitsgforg24gmonths.
Ms.gHendersongbelievesgthatgshegwillgqualifygforgMedicaregcoveragegwhengshegturns
g65,gwithoutgpayingganygpremiums,gbecausegsheghasgbeengworkinggforg40gyearsgandg
payinggMedicaregtaxes.gWhatgshouldgyougtellgher?gCorrectgAnswer:gIngordergtogobtain
gPartgBgcoverage,gshegmustgpaygagstandardgmonthlygpremium,gthoughgitgisghighergfo
rgindividualsgwithghighergincomes.
Mr.gDiazgcontinuedgworkinggwithghisgcompanygandgwasginsuredgunderghisgemploye
r'sggroupgplanguntilghegreachedgageg68.gHeghasgheardgthatgtheregisgagpremiumgpenalt
ygforgthosegwhogdidgnotgsigngupgforgPartgBgwhengfirstgeligiblegandgwantsgtogknowgh
owgmuchghegwillghavegtogpay.gWhatgshouldgyougtellghim?gCorrectgAnswer:gMr.gDia
zgwillgnotgpayganygpenaltygbecausegheghadgcontinuousgcoveragegunderghisgemploye
r'sgplan.
, Mrs.gPeňagisg66gyearsgold,ghasgcoveragegundergangemployergplangandgwillgretiregnext
gyear.gShegheardgshegmustgenrollgingPartgBgatgthegbeginninggofgthegyeargtogensuregnog
gapgingcoverage.gWhatgcangyougtellgher?gCorrectgAnswer:gShegmaygenrollgatganygti
megwhilegshegisgcoveredgunderghergemployergplan,gbutgshegwillghavegagspecialgeight
monthgenrollmentgperiodgthatgdiffersgfromgthegstandardggeneralgenrollmentgperiod,g
duringgwhichgshegmaygenrollgingMedicaregPartgB.
Mrs.gKellygisgentitledgtogPartgA,gbutgisgnotgyetgenrolledgingPartgB.gShegisgconsideringg
enrollmentgingagMedicareghealthgplan.gWhatgshouldgyougadviseghergtogdogbeforegsheg
willgbegablegtogenrollgintogagMedicareghealthgplan?gCorrectgAnswer:gIngordergtogjoinga
gMedicareghealthgplan,gshegalsogmustgenrollgingPartgB.
g g g g g
,ANSWERS 2024 (5 DIFFERENT VERSIONS 500+ QUEST
g g g g g g
IONS AND VERIFIED ANSWERS) COMPLETE AHIP FIN
g g g g g g
AL EXAM |ALREADY GRADED A+
g g g g
AgentgHarrietgWalkerghasgrecentlygbegungmarketinggMedicaregAdvantagegandgrelat
edgproductsgaimedgatgmeetinggthegneedsgofgseniorgcitizens.gClientgMildredgJonesgha
sgexpressedginterestgingagMedicaregAdvantagegplan.gItgisgnowgthegbeginninggofgSepte
mber.gIfgyougweregingAgentgWalker'sgposition,gwhatgwouldgyougdo?gCorrectgAnswer
:gInquiregwhethergthegclientgqualifiesgforgagspecialgenrollmentgperiod,gandgifgnot,gsol
icitgangenrollmentgapplicationgoncegthegannualgopengenrollmentgelectiongperiodgbegi
nsgongOctoberg15th.
Mrs.gFieldsgwantsgtogknowgwhethergapplyinggforgthegPartgDglowgincomegsubsidyg
willgbegworthgthegtimegtogfillgoutgthegpaperwork.gWhatgcouldgyougtellgher?gCorrect
gAnswer:gThegPartgDglowgincomegsubsidygcouldgsubstantiallyglowerghergoverallgc
osts.gShegcangapplygbygcontactingghergstategMedicaidgoffice,gorgcallinggthegSocialg
SecuritygAdministration
Mr.gWendtgsuffersgfromgdiabetesgwhichghasggottengprogressivelygworsegduringgthegl
astgyear.gHegisgcurrentlygenrolledgingOriginalgMedicareg(PartsgAgandgB)gandgagPartg
DgprescriptiongdruggplangandgdidgnotgenrollgingagMedicaregAdvantageg(MA)gplangd
uringgtheglastgannualgopengenrollmentgperiodg(AEP)gwhichghasgjustgclosed.gMr.
WendtghasgheardgcertaingMAgplansgmightgprovideghimgwithgmoregspecializedgcove
ragegforghisgdiabetesgandgwantsgtogknowgifghegmustgwaitguntilgthegnextgannualgopeng
enrollmentgperiodg(AEP)gbeforegenrollinggingsuchgagplan.gWhatgshouldgyougtellghim
?gCorrectgAnswer:gIfgtheregisgagspecialgneedsgplang(SNP)gingMr.gWendt'sgareagthatgs
pecializesgingcaringgforgindividualsgwithgdiabetes,ghegmaygenrollgingthegSNPgatganyg
timegundergagspecialgelectiongperiodg(SEP)
Ms.gMooregplansgtogretiregwhengshegturnsg65gingagfewgmonths.gShegisgingexcellentgh
ealthgandgwillghavegconsiderablegincomegwhengshegretires.gShegisgconcernedgthatghe
rgincomegwillgmakegitgimpossiblegforghergtogqualifygforgMedicare.gWhatgcouldgyougt
ellghergtogaddressghergconcern?gCorrectgAnswer:gMedicaregisgagprogramgforgpeopleg
ageg65gorgoldergandgthosegundergageg65gwithgcertaingdisabilities,gendgstagegrenalgdis
easegorgLougGehrig'sgdisease,gsogshegwillgbegeligiblegforgMedicare
Mr.gSchmidtgwouldglikegtogplangforgretirementgandghasgaskedgyougwhatgisgcoveredg
undergOriginalgFee-for-
gServiceg(FFS)gMedicare?gWhatgcouldgyougtellghim?gCorrectgAnswer:gPartgA,gwhich
gcoversghospital,gskilledgnursinggfacility,ghospicegandghome
,healthg servicesg andg Partg B,g whichg coversg professionalg servicesg suchg asg thoseg provi
dedgbygagdoctorgaregcoveredgundergOriginalgMedicare.
Mr.gHernandezgisgconcernedgthatgifghegsignsgupgforgagMedicaregAdvantagegplan,gthe
ghealthgplangmay,gatgsomegtimegingthegfuture,greduceghisgbenefitsgbelowgwhatgisgava
ilablegingOriginalgMedicare.gWhatgshouldgyougtellghimgaboutghisgconcern?
CorrectgAnswer:gMedicareghealthgplansgmustgcovergallgbenefitsgavailablegundergMedica
regPartgAgandgPartgB.gManygalsogcovergPartgDgprescriptiongdrugs.
Mrs.gRaskingisgagwidowgwhogwillgattaingagedg65gandgenrollgingMedicaregingjustgagfe
wgweeks.gShegconcernedgaboutghavinggprescriptiongdruggcoverage.gWhichgofgthegfo
llowinggstatementsgprovidesgthegbestgadvice?
CorrectgAnswer:gPrescriptiongdruggcoveragegcangbegobtainedgbygenrollinggingagMed
icaregAdvantagegplangthatgincludesgPartgDgcoverage.
Mrs.gWillardgwantsgtogknowggenerallyghowgthegbenefitsgundergOriginalgMedicareg
mightgcomparegtogthegbenefitgpackagegofgagMedicaregHealthgPlangbeforegshegstartsgl
ookinggatgspecificgplans.gWhatgcouldgyougtellgher?gCorrectgAnswer:gMedicaregHeal
th
PlansgmaygoffergextragbenefitsgthatgOriginalgMedicaregdoesgnot
,offergsuchgasgvision,ghearing,gandgdentalgservicesgandgmustgincludegagmaximum
goutof-pocketglimitgongPartgAgandgPartgBgservices.
Mr.gMeoni'sgwifeghasgagMedicaregAdvantagegplan,gbutghegwantsgtogunderstandgwhat
gcoveragegMedicaregSupplementalgInsurancegprovidesgsinceghisghealthgcaregneedsga
regdifferentgfromghisgwife'sgneeds.gWhatgcouldgyougtellgMr.Meoni?gCorrectgAnswer
:gMedicaregSupplementalgInsurancegwouldghelpgcoverghisgPartgAgandgPartgBgcostgsh
aringgingOriginalgFee-for-
Serviceg(FFS)gMedicaregasgwellgasgpossiblygsomegservicesgthatgMedicaregdoesgnotg
cover.
Mrs.gChengwillgbeg65gsoon,ghasgbeengagcitizengforgtwelvegyears,ghasgbeengemployed
gfullgtime,gandgpaidgtaxesgduringgthatgentiregperiod.gShegisgconcernedgthatgshegwillgn
otgqualifygforgcoveragegundergpartgAgbecausegshegwasgnotgborngingthegUnitedgStates
.gWhatgshouldgyougtellgher?gCorrectgAnswer:gMostgindividualsgwhogaregcitizensgan
dgovergageg65garegcoveredgundergPartgAgbygvirtuegofghavinggpaidgMedicaregtaxesgw
hilegworking,gthoughgsomegmaygbegcoveredgasgagresultgofgpayinggmonthlygpremium
s.
Mr.gBauergisg49gyearsgold,gbutgeighteengmonthsgagoghegwasgdeclaredgdisabledgbygthe
gSocialgSecuritygAdministrationgandghasgbeengreceivinggdisabilitygpayments.gHegisg
wonderinggwhetherghegcangobtaingcoveragegundergMedicare.gWhatgshouldgyougtellgh
im?gCorrectgAnswer:gAftergreceivinggsuchgdisabilitygpaymentsgforg24gmonths,ghegw
illgbegautomaticallygenrolledgingMedicare,gregardlessgofgage.
Mr.gDavisgisg49gyearsgoldgandghasgbeengreceivinggdisabilitygbenefitsgfromgthegSocial
gSecuritygAdministrationgforg12gmonths.gCangyougsellghimgagMedicaregAdvantagegor
gPartgDgPrescriptiongDruggpolicy?gCorrectgAnswer:gNo,ghegcannotgpurchasegagMedi
caregAdvantagegorgPartgDgpolicygbecausegheghasgnotgreceivedgSocialgSecuritygorgRai
lroadgRetirementgdisabilitygbenefitsgforg24gmonths.
Ms.gHendersongbelievesgthatgshegwillgqualifygforgMedicaregcoveragegwhengshegturns
g65,gwithoutgpayingganygpremiums,gbecausegsheghasgbeengworkinggforg40gyearsgandg
payinggMedicaregtaxes.gWhatgshouldgyougtellgher?gCorrectgAnswer:gIngordergtogobtain
gPartgBgcoverage,gshegmustgpaygagstandardgmonthlygpremium,gthoughgitgisghighergfo
rgindividualsgwithghighergincomes.
Mr.gDiazgcontinuedgworkinggwithghisgcompanygandgwasginsuredgunderghisgemploye
r'sggroupgplanguntilghegreachedgageg68.gHeghasgheardgthatgtheregisgagpremiumgpenalt
ygforgthosegwhogdidgnotgsigngupgforgPartgBgwhengfirstgeligiblegandgwantsgtogknowgh
owgmuchghegwillghavegtogpay.gWhatgshouldgyougtellghim?gCorrectgAnswer:gMr.gDia
zgwillgnotgpayganygpenaltygbecausegheghadgcontinuousgcoveragegunderghisgemploye
r'sgplan.
, Mrs.gPeňagisg66gyearsgold,ghasgcoveragegundergangemployergplangandgwillgretiregnext
gyear.gShegheardgshegmustgenrollgingPartgBgatgthegbeginninggofgthegyeargtogensuregnog
gapgingcoverage.gWhatgcangyougtellgher?gCorrectgAnswer:gShegmaygenrollgatganygti
megwhilegshegisgcoveredgunderghergemployergplan,gbutgshegwillghavegagspecialgeight
monthgenrollmentgperiodgthatgdiffersgfromgthegstandardggeneralgenrollmentgperiod,g
duringgwhichgshegmaygenrollgingMedicaregPartgB.
Mrs.gKellygisgentitledgtogPartgA,gbutgisgnotgyetgenrolledgingPartgB.gShegisgconsideringg
enrollmentgingagMedicareghealthgplan.gWhatgshouldgyougadviseghergtogdogbeforegsheg
willgbegablegtogenrollgintogagMedicareghealthgplan?gCorrectgAnswer:gIngordergtogjoinga
gMedicareghealthgplan,gshegalsogmustgenrollgingPartgB.
