AHIP EXAM,EXAM WITH CORRECCT
QUESTIONS AND ANSWERS 2025
Mr. Wendt suffers from diabetes which has gotten progressively worse
during the last year. He is currently enrolled in Original Medicare (Parts
A and B) and a Part D prescription drug plan and did not enroll in a
Medicare Advantage (MA) plan during the last annual open enrollment
period (AEP) which has just closed. Mr. Wendt has heard that there are
certain MA plans that might provide him with more specialized
coverage for his diabetes and wants to know if he must wait until the
next annual open enrollment period (AEP) before enrolling in such a
plan. What should you tell him? - CORRECT-ANSWERS}}}}d. If there is
a special needs plan (SNP) in Mr. Wendt's area that specializes in
caring for individuals with diabetes, he may enroll in the SNP at any
time under a special enrollment period (SEP). Correct
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is
currently enrolled in Medicare Parts A 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? - CORRECT-ANSWERS}}}}d.
Tell prospect Jerry Smith that he should consider adding a standalone
Part D prescription drug coverage policy to his present coverage.
, 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? - CORRECT-ANSWERS}}}}a. 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.
Juan Perez, who is turning age 65 next month, intends to work for
several more years at Smallcap, Incorporated. Smallcap has a
workforce of 15 employees and offers employer-sponsored healthcare
coverage. Juan is a naturalized citizen and has contributed to the
Medicare system for over 20 years. Juan asks you if he will be entitled
to Medicare and if he enrolls how that will impact his employer-
sponsored healthcare coverage. How would you respond? - CORRECT-
ANSWERS}}}}d. Juan is likely to be eligible for Medicare once he turns
age 65 and if he enrolls Medicare would become the primary payor of
his healthcare claims and Smallcap does not have to continue to offer
him coverage comparable to those under age 65 under its employer-
sponsored group health plan.
, Madeline Martinez was widowed several years ago. Her husband
worked for many years and contributed into the Medicare system. He
also left a substantial estate which provides Madeline with an annual
income of approximately $130,000. Madeline, who has only worked
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? - CORRECT-ANSWERS}}}}b. You should tell Madeline that
she will be able to enroll in Medicare Part A without paying monthly
premiums due to her husband's long work record and participation in
the Medicare system. You should also tell Madeline that she will pay
Part B premiums at more than the standard lowest rate but less than
the highest rate due her substantial income.
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? - CORRECT-
ANSWERS}}}}b. After receiving such disability payments for 24
months, he will be automatically enrolled in Medicare, regardless of
age.
Mr. Davis is 52 years old and has recently been diagnosed with end-
stage renal disease (ESRD) and will soon begin dialysis. He is
wondering if he can obtain coverage under Medicare. What should you
tell him? - CORRECT-ANSWERS}}}}b. He may sign-up for Medicare at
, any time however coverage usually begins on the fourth month after
dialysis treatments start.
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? - CORRECT-ANSWERS}}}}d. Mr. Diaz will
not pay any penalty because he had continuous coverage under his
employer's plan.
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? - CORRECT-ANSWERS}}}}b. 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.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has
been employed full time, and paid taxes during that entire period. She
is concerned that she will not qualify for coverage under part A
because she was not born in the United States. What should you tell
her? - CORRECT-ANSWERS}}}}a. Most individuals who are citizens and
age 65 or over are covered under Part A by virtue of having paid
QUESTIONS AND ANSWERS 2025
Mr. Wendt suffers from diabetes which has gotten progressively worse
during the last year. He is currently enrolled in Original Medicare (Parts
A and B) and a Part D prescription drug plan and did not enroll in a
Medicare Advantage (MA) plan during the last annual open enrollment
period (AEP) which has just closed. Mr. Wendt has heard that there are
certain MA plans that might provide him with more specialized
coverage for his diabetes and wants to know if he must wait until the
next annual open enrollment period (AEP) before enrolling in such a
plan. What should you tell him? - CORRECT-ANSWERS}}}}d. If there is
a special needs plan (SNP) in Mr. Wendt's area that specializes in
caring for individuals with diabetes, he may enroll in the SNP at any
time under a special enrollment period (SEP). Correct
Agent John Miller is meeting with Jerry Smith, a new prospect. Jerry is
currently enrolled in Medicare Parts A 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? - CORRECT-ANSWERS}}}}d.
Tell prospect Jerry Smith that he should consider adding a standalone
Part D prescription drug coverage policy to his present coverage.
, 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? - CORRECT-ANSWERS}}}}a. 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.
Juan Perez, who is turning age 65 next month, intends to work for
several more years at Smallcap, Incorporated. Smallcap has a
workforce of 15 employees and offers employer-sponsored healthcare
coverage. Juan is a naturalized citizen and has contributed to the
Medicare system for over 20 years. Juan asks you if he will be entitled
to Medicare and if he enrolls how that will impact his employer-
sponsored healthcare coverage. How would you respond? - CORRECT-
ANSWERS}}}}d. Juan is likely to be eligible for Medicare once he turns
age 65 and if he enrolls Medicare would become the primary payor of
his healthcare claims and Smallcap does not have to continue to offer
him coverage comparable to those under age 65 under its employer-
sponsored group health plan.
, Madeline Martinez was widowed several years ago. Her husband
worked for many years and contributed into the Medicare system. He
also left a substantial estate which provides Madeline with an annual
income of approximately $130,000. Madeline, who has only worked
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? - CORRECT-ANSWERS}}}}b. You should tell Madeline that
she will be able to enroll in Medicare Part A without paying monthly
premiums due to her husband's long work record and participation in
the Medicare system. You should also tell Madeline that she will pay
Part B premiums at more than the standard lowest rate but less than
the highest rate due her substantial income.
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? - CORRECT-
ANSWERS}}}}b. After receiving such disability payments for 24
months, he will be automatically enrolled in Medicare, regardless of
age.
Mr. Davis is 52 years old and has recently been diagnosed with end-
stage renal disease (ESRD) and will soon begin dialysis. He is
wondering if he can obtain coverage under Medicare. What should you
tell him? - CORRECT-ANSWERS}}}}b. He may sign-up for Medicare at
, any time however coverage usually begins on the fourth month after
dialysis treatments start.
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? - CORRECT-ANSWERS}}}}d. Mr. Diaz will
not pay any penalty because he had continuous coverage under his
employer's plan.
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? - CORRECT-ANSWERS}}}}b. 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.
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has
been employed full time, and paid taxes during that entire period. She
is concerned that she will not qualify for coverage under part A
because she was not born in the United States. What should you tell
her? - CORRECT-ANSWERS}}}}a. Most individuals who are citizens and
age 65 or over are covered under Part A by virtue of having paid
