AHIP Final Exam – 100% Real Questions and Verified
Answers
Pass Medicare Certification on the First Try
1. Mrs. Park is an elderly retiree with a low fixed income. What could you tell Mrs. Park
that might be of assistance?
A) She should disenroll from Medicare and apply for Medicaid instead.
B) She should contact her state Medicaid agency to see if she qualifies for programs that
can help with Medicare costs for which she is responsible.
C) She should enroll in the most expensive Medicare Advantage plan to get the most
comprehensive coverage.
D) There is no help available for people with low incomes.
Answer ✔✔: B) She should contact her state Medicaid agency to see if she qualifies for
programs that can help with Medicare costs for which she is responsible.
2. Madeline Martinez was widowed and will soon turn 65. Her husband worked for many
years and contributed to Medicare, and he left her a substantial income. What should you
tell her about her Medicare premiums?
A) She will have to pay the full premium for both Part A and Part B.
B) She will pay no premiums for Part A or Part B due to her husband's record.
C) She will be able to enroll in Medicare Part A without paying monthly premiums, but she
will pay Part B premiums at a higher-than-standard rate due to her income.
D) Her husband's record does not help her, so she must pay for all parts of Medicare.
Answer ✔✔: C) She will be able to enroll in Medicare Part A without paying monthly
,premiums, but she will pay Part B premiums at a higher-than-standard rate due to her
income.
3. Mr. Bauer is 49 years old and was declared disabled 18 months ago. He is wondering
whether he can obtain coverage under Medicare. What should you tell him?
A) He is not eligible for Medicare until he turns 65.
B) He can enroll in Medicare Part A immediately but must wait for Part B.
C) After receiving disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age.
D) He must apply for Medicaid instead.
Answer ✔✔: C) After receiving disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
4. What is covered under Original Fee-for-Service (FFS) Medicare?
A) Part A (hospital services) and Part D (prescription drugs).
B) Part B (professional services) and Part C (Medicare Advantage).
C) Part A (hospital, skilled nursing, hospice) and Part B (professional services like doctors).
D) Only inpatient hospital services.
Answer ✔✔: C) Part A (hospital, skilled nursing, hospice) and Part B (professional services
like doctors).
5. Mrs. Peňa is 66, has employer coverage, and will retire next year. What can you tell her
about enrolling in Part B?
A) She must enroll in Part B at the beginning of the year to avoid a gap.
B) She has missed her chance and will face a permanent penalty.
, C) She will have a special 8-month enrollment period that begins when her employer
coverage ends.
D) She can only enroll during the General Enrollment Period from January to March.
Answer ✔✔: C) She will have a special 8-month enrollment period that begins when her
employer coverage ends.
6. Jerry Smith has Original Medicare and a Medigap plan but no drug coverage. How
should you advise him?
A) Tell him his Medigap plan is sufficient.
B) Tell him he should consider adding a standalone Part D prescription drug plan.
C) Advise him to switch to a Medigap plan that includes drug coverage.
D) Tell him he is not allowed to add drug coverage now.
Answer ✔✔: B) Tell him he should consider adding a standalone Part D prescription drug
plan.
7. Mr. Diaz worked until age 68 and had employer coverage. He wants to know about the
Part B premium penalty. What should you tell him?
A) There is no penalty for delaying Part B with employer coverage.
B) The penalty is a one-time fee.
C) The penalty is a permanent 10% increase in his Part B premium for every full 12-month
period he was eligible but didn't enroll.
D) The penalty is only 1% per month.
Answer ✔✔: C) The penalty is a permanent 10% increase in his Part B premium for every
full 12-month period he was eligible but didn't enroll.
Answers
Pass Medicare Certification on the First Try
1. Mrs. Park is an elderly retiree with a low fixed income. What could you tell Mrs. Park
that might be of assistance?
A) She should disenroll from Medicare and apply for Medicaid instead.
B) She should contact her state Medicaid agency to see if she qualifies for programs that
can help with Medicare costs for which she is responsible.
C) She should enroll in the most expensive Medicare Advantage plan to get the most
comprehensive coverage.
D) There is no help available for people with low incomes.
Answer ✔✔: B) She should contact her state Medicaid agency to see if she qualifies for
programs that can help with Medicare costs for which she is responsible.
2. Madeline Martinez was widowed and will soon turn 65. Her husband worked for many
years and contributed to Medicare, and he left her a substantial income. What should you
tell her about her Medicare premiums?
A) She will have to pay the full premium for both Part A and Part B.
B) She will pay no premiums for Part A or Part B due to her husband's record.
C) She will be able to enroll in Medicare Part A without paying monthly premiums, but she
will pay Part B premiums at a higher-than-standard rate due to her income.
D) Her husband's record does not help her, so she must pay for all parts of Medicare.
Answer ✔✔: C) She will be able to enroll in Medicare Part A without paying monthly
,premiums, but she will pay Part B premiums at a higher-than-standard rate due to her
income.
3. Mr. Bauer is 49 years old and was declared disabled 18 months ago. He is wondering
whether he can obtain coverage under Medicare. What should you tell him?
A) He is not eligible for Medicare until he turns 65.
B) He can enroll in Medicare Part A immediately but must wait for Part B.
C) After receiving disability payments for 24 months, he will be automatically enrolled in
Medicare, regardless of age.
D) He must apply for Medicaid instead.
Answer ✔✔: C) After receiving disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
4. What is covered under Original Fee-for-Service (FFS) Medicare?
A) Part A (hospital services) and Part D (prescription drugs).
B) Part B (professional services) and Part C (Medicare Advantage).
C) Part A (hospital, skilled nursing, hospice) and Part B (professional services like doctors).
D) Only inpatient hospital services.
Answer ✔✔: C) Part A (hospital, skilled nursing, hospice) and Part B (professional services
like doctors).
5. Mrs. Peňa is 66, has employer coverage, and will retire next year. What can you tell her
about enrolling in Part B?
A) She must enroll in Part B at the beginning of the year to avoid a gap.
B) She has missed her chance and will face a permanent penalty.
, C) She will have a special 8-month enrollment period that begins when her employer
coverage ends.
D) She can only enroll during the General Enrollment Period from January to March.
Answer ✔✔: C) She will have a special 8-month enrollment period that begins when her
employer coverage ends.
6. Jerry Smith has Original Medicare and a Medigap plan but no drug coverage. How
should you advise him?
A) Tell him his Medigap plan is sufficient.
B) Tell him he should consider adding a standalone Part D prescription drug plan.
C) Advise him to switch to a Medigap plan that includes drug coverage.
D) Tell him he is not allowed to add drug coverage now.
Answer ✔✔: B) Tell him he should consider adding a standalone Part D prescription drug
plan.
7. Mr. Diaz worked until age 68 and had employer coverage. He wants to know about the
Part B premium penalty. What should you tell him?
A) There is no penalty for delaying Part B with employer coverage.
B) The penalty is a one-time fee.
C) The penalty is a permanent 10% increase in his Part B premium for every full 12-month
period he was eligible but didn't enroll.
D) The penalty is only 1% per month.
Answer ✔✔: C) The penalty is a permanent 10% increase in his Part B premium for every
full 12-month period he was eligible but didn't enroll.
