AHIP Final Exam 2025 Questions and
Correct Answers
What impact, if any, have recent regulatory changes had on Medigap plans?
✓ ✓~ The Part B deductible is no longer covered for individuals newly eligible for
Medicare starting January 1, 2020.
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?
✓ ✓~ Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan.
Mrs. Shields is covered by Original Medicare. She sustained a hip fracture and is
being successfully treated for that condition. However, she and her physicians feel
that after her lengthy hospital stay, she will need a month or two of nursing and
rehabilitative care. What should you tell them about Original Medicare's coverage of
care in a skilled nursing facility?
✓ ✓~ Medicare will cover Mrs. Shield's skilled nursing services provided during the first
20 days of her stay, after which she would have a copay until she has been in the
facility for 100 days.
Mrs. Quinn recently turned 66 and decided after many years of work to retire and
begin receiving Social Security benefits. Shortly thereafter Mrs. Quinn received a
, letter informing her that she had been automatically enrolled in Medicare Part B. She
wants to understand what this means. What should you tell Mrs. Quinn?
✓ ✓~ Part B primarily covers physician services. She will be paying a monthly premium
and, except for many preventive and screening tests, generally will have 20% co-
payments for these services, in addition to an annual deductible.
Mrs. Turner is comparing her employer's retiree insurance to Original Medicare and
would like to know which of the following services Original Medicare will cover if the
appropriate criteria are met. What could you tell her?
✓ ✓~ Original Medicare covers ambulance services.
Mrs. Park is an elderly retiree. Mrs. Park has a low fixed income. What could you tell
Mrs. Park that might be of assistance?
✓ ✓~ She should contact her state Medicaid agency to see if she qualifies for one of
several programs that can help with Medicare costs for which she is responsible.
Mrs. West wears glasses and dentures and has enjoyed considerable pain relief
from arthritis through massage therapy. She is concerned about whether or not
Medicare will cover these items and services. What should you tell her?
✓ ✓~ Medicare does not cover massage therapy, or, in general, glasses or dentures.
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?
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