AHIP Final Exam Test Questions
Study online at https://quizlet.com/_a235nr
1. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?: Medicare does not cover acupuncture, or, in general, glasses or dentures.
2. Mr. Bickford did not quite qualify for the extra help low-income subsidy
under the Medicare Part D Prescription Drug program and he is wondering
if there is any other option he has for obtaining help with his considerable
drug costs. What should you tell him?: He could check with the manufacturers
of his medications to see if they offer an assistance program to help people with
limited means obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with his expenses.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that
you represent. It is one of three plans operated by the same organization
in Mr. Lombardi's area. The MA PPO plan does not include drug coverage,
but the other two plans do. Mr. Lombardi likes the PPO plan that does not
include drug coverage and intends to obtain his drug coverage through a
stand-alone Medicare prescription drug plan. What should you tell him about
this situation?: He could enroll in one of the MA plans that include prescription
drug coverage or a Medigap plan and a stand-alone prescription drug plan, but he
cannot enroll in the MA-only PPO plan and a stand-alone prescription drug plan.
4. Mr. Torres has a small savings account. He would like to pay for his monthly
Part D premiums with an automatic monthly withdrawal from his savings
account until it is exhausted, and then have his premiums withheld from his
Social Security check. What should you tell him?: In general, he must select a
single Part D premium payment mechanism that will be used throughout the year.
5. Agent Jennings makes a presentation on Medicare advertised as an educa-
tional event. Agent Jennings distributes materials that are solely educational
in nature. However, she gives a brief presentation that mentions plan-specific
premiums. Is this a prohibited activity at an event that has been advertised
as educational?: Yes. When an event has been advertised as "educational," dis-
cussing plan-specific premiums is impermissible.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
she is not enrolled under Medicare Part B. What should you tell her?: Everyone
who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare
prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not
need to enroll under Part B before enrolling in a prescription drug plan.
7. Mr. Jacob understands that there is a standard Medicare Part D prescription
drug benefit, but when he looks at information on various plans available in
1/8
, AHIP Final Exam Test Questions
Study online at https://quizlet.com/_a235nr
his area, he sees a wide range in what they charge for deductibles, premiums
and cost sharing. How can you explain this to him?: Medicare Part D drug plans
may have different benefit structures, but on average, they must all be at least as
good as the standard model established by the government.
8. 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?: Medicare is a
program for people age 65 or older and those under age 65 with certain disabilities,
end stage renal disease or Lou Gehrig's disease, so she will be eligible for Medicare.
9. Agent Armstrong is employed by XYZ Agency, which is under contract with
ABC Health Plan, a Medicare Advantage (MA) plan that offers plans in multiple
states. XYZ Agency maintains a website marketing the MA plans with which
it has contracts. Agent Armstrong follows up with individuals who request
more information about ABC MA plans via the website and tries to persuade
them to enroll in ABC plans. What statement best describes the marketing and
compliance rules that apply to Agent Armstrong?: Agent Armstrong needs to
be licensed and appointed in every state in which beneficiaries to whom he markets
ABC MA plans are located.
10. 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?: 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.
11. You are seeking to represent an individual Medicare Advantage plan and an
individual Part D plan in your state. You have completed the required training
for each plan, but you did not achieve a passing score on the tests that came
after the training. What can you do in this situation?: You will not be able to
represent any Medicare Advantage or Part D plan until you complete the training
and achieve an adequate score, although you will not have to take a test if you
exclusively market employer/union group plans and the companies do not require
testing.
12. Mr. Chen is enrolled in his employer's group health plan and will be retiring
soon. He would like to know his options since he has decided to drop his
retiree coverage and is eligible for Medicare. What should you tell him?: Mr.
Chen can disenroll from his employer-sponsored coverage to elect a Medicare
Advantage or Part D plan within 2 months of his disenrollment, but he should
revaluate if he really wants to drop his employer coverage.
2/8
Study online at https://quizlet.com/_a235nr
1. Mrs. West wears glasses and dentures and has enjoyed considerable pain
relief from arthritis through acupuncture. She is concerned about whether
or not Medicare will cover these items and services. What should you tell
her?: Medicare does not cover acupuncture, or, in general, glasses or dentures.
2. Mr. Bickford did not quite qualify for the extra help low-income subsidy
under the Medicare Part D Prescription Drug program and he is wondering
if there is any other option he has for obtaining help with his considerable
drug costs. What should you tell him?: He could check with the manufacturers
of his medications to see if they offer an assistance program to help people with
limited means obtain the medications they need. Alternatively, he could check to see
whether his state has a pharmacy assistance program to help him with his expenses.
3. Mr. Lombardi is interested in a Medicare Advantage (MA) PPO plan that
you represent. It is one of three plans operated by the same organization
in Mr. Lombardi's area. The MA PPO plan does not include drug coverage,
but the other two plans do. Mr. Lombardi likes the PPO plan that does not
include drug coverage and intends to obtain his drug coverage through a
stand-alone Medicare prescription drug plan. What should you tell him about
this situation?: He could enroll in one of the MA plans that include prescription
drug coverage or a Medigap plan and a stand-alone prescription drug plan, but he
cannot enroll in the MA-only PPO plan and a stand-alone prescription drug plan.
4. Mr. Torres has a small savings account. He would like to pay for his monthly
Part D premiums with an automatic monthly withdrawal from his savings
account until it is exhausted, and then have his premiums withheld from his
Social Security check. What should you tell him?: In general, he must select a
single Part D premium payment mechanism that will be used throughout the year.
5. Agent Jennings makes a presentation on Medicare advertised as an educa-
tional event. Agent Jennings distributes materials that are solely educational
in nature. However, she gives a brief presentation that mentions plan-specific
premiums. Is this a prohibited activity at an event that has been advertised
as educational?: Yes. When an event has been advertised as "educational," dis-
cussing plan-specific premiums is impermissible.
6. Mrs. Mulcahy is concerned that she may not qualify for enrollment in a
Medicare prescription drug plan because, although she is entitled to Part A,
she is not enrolled under Medicare Part B. What should you tell her?: Everyone
who is entitled to Part A or enrolled under Part B is eligible to enroll in a Medicare
prescription drug plan. As long as Mrs. Mulcahy is entitled to Part A, she does not
need to enroll under Part B before enrolling in a prescription drug plan.
7. Mr. Jacob understands that there is a standard Medicare Part D prescription
drug benefit, but when he looks at information on various plans available in
1/8
, AHIP Final Exam Test Questions
Study online at https://quizlet.com/_a235nr
his area, he sees a wide range in what they charge for deductibles, premiums
and cost sharing. How can you explain this to him?: Medicare Part D drug plans
may have different benefit structures, but on average, they must all be at least as
good as the standard model established by the government.
8. 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?: Medicare is a
program for people age 65 or older and those under age 65 with certain disabilities,
end stage renal disease or Lou Gehrig's disease, so she will be eligible for Medicare.
9. Agent Armstrong is employed by XYZ Agency, which is under contract with
ABC Health Plan, a Medicare Advantage (MA) plan that offers plans in multiple
states. XYZ Agency maintains a website marketing the MA plans with which
it has contracts. Agent Armstrong follows up with individuals who request
more information about ABC MA plans via the website and tries to persuade
them to enroll in ABC plans. What statement best describes the marketing and
compliance rules that apply to Agent Armstrong?: Agent Armstrong needs to
be licensed and appointed in every state in which beneficiaries to whom he markets
ABC MA plans are located.
10. 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?: 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.
11. You are seeking to represent an individual Medicare Advantage plan and an
individual Part D plan in your state. You have completed the required training
for each plan, but you did not achieve a passing score on the tests that came
after the training. What can you do in this situation?: You will not be able to
represent any Medicare Advantage or Part D plan until you complete the training
and achieve an adequate score, although you will not have to take a test if you
exclusively market employer/union group plans and the companies do not require
testing.
12. Mr. Chen is enrolled in his employer's group health plan and will be retiring
soon. He would like to know his options since he has decided to drop his
retiree coverage and is eligible for Medicare. What should you tell him?: Mr.
Chen can disenroll from his employer-sponsored coverage to elect a Medicare
Advantage or Part D plan within 2 months of his disenrollment, but he should
revaluate if he really wants to drop his employer coverage.
2/8
