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Exam (elaborations)

2024 AHIP EXAM PRACTICE QUESTIONS AND ANSWERS

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  • 2025 AHIP
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  • 2025 AHIP

2024 AHIP EXAM PRACTICE QUESTIONS AND ANSWERS Edward IP suffered from serious kidney disease. As a result. Edward became eligible for Medicare coverage due to end-stage renal disease (ESRD). A close relative donated their kidney and Edward successfully underwent transplant surgery 12 months ago...

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  • October 31, 2024
  • 38
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers
  • 2025 AHIP
  • 2025 AHIP
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Emillect
©EMILLECT2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED

FIRST PUBLISH OCTOBER 2024




2024 AHIP EXAM PRACTICE QUESTIONS

AND ANSWERS


Edward IP suffered from serious kidney disease. As a result. Edward became eligible for Medicare

coverage due to end-stage renal disease (ESRD). A close relative donated their kidney and Edward

successfully underwent transplant surgery 12 months ago. Edward is now age 50 and asks you if his

Medicare coverage will continue, what should you say? - ANSWER✔✔-Individuals eligible for Medicare

based on ESRD generally lose eligibility 36 months after the month in which the individual receives a

kidney transplant unless they are eligible for Medicare on another basis such as age or disability. Edward

may, however, remain enrolled in Part B but solely for coverage of immunosuppressive drugs if he has no

other health care coverage that would cover the drugs.


Mildred Savage enrolled in Allcare Medicare Advantage plan several years ago. Mildred recently learned

that she is suffering from inoperable cancer and has just a few months to live. She would like to spend

these final months in hospice care. Mildred's family asks you whether hospice benefits will be paid for

under the Allcare Medicare Advantage plan. What should you say? - ANSWER✔✔-Mildred may remain

enrolled in Allcare and make a hospice election. Hospice benefits will be paid for by Original Medicare

under Part A and Allcare will continue to pay for any non-hospice services.




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, ©EMILLECT2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED

FIRST PUBLISH OCTOBER 2024




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? -

ANSWER✔✔-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? - ANSWER✔✔-Medicare Supplemental Insurance would help cover his Part A

and Part B deductibles or coinsurance 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? - ANSWER✔✔-Most

individuals who are citizens and age 65 or over are covered under Part A by virtue of having paid

Medicare taxes while working, though some may be covered as a result of paying monthly premiums.


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? - ANSWER✔✔-After receiving such disability

payments for 24 months, he will be automatically enrolled in Medicare, regardless of age.




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, ©EMILLECT2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED

FIRST PUBLISH OCTOBER 2024




Mr. Xi will soon turn age 65 and has come to you for advice as to what services are provided under

Original Medicare. What should you tell Mr. Xi that best describes the health coverage provided to

Medicare beneficiaries? - ANSWER✔✔-Beneficiaries under Original Medicare have no cost-sharing for

most preventive services which include immunizations such as annual flu shots.


Mrs. Peňa is 66 years old, has coverage under an employer plan, and will retire next year. She heard she

must enroll in Part B at the beginning of the year to ensure no gap in coverage. What can you tell her? -

ANSWER✔✔-She may enroll at any time while she is covered under her employer plan, but she will have

a special eight-month enrollment period after the last month on her employer plan that differs from the

standard general enrollment period, during which she may enroll in Medicare Part B.


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? - ANSWER✔✔-He may sign-up for Medicare at any time however coverage usually begins on the

fourth month after dialysis treatments start.


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? - ANSWER✔✔-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




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, ©EMILLECT2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED

FIRST PUBLISH OCTOBER 2024




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.


Ms. Henderson believes that she will qualify for Medicare Coverage when she turns 65, without paying

any premiums, because she has been working for 40 years and paying Medicare taxes. What should you

tell her? - ANSWER✔✔-To obtain Part B coverage, she must pay a standard monthly premium, though it

is higher for individuals with higher incomes.


To obtain Part B coverage, she must pay a standard monthly premium, though it is higher for individuals

with higher incomes. - ANSWER✔✔-Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs,

but she could keep her Medigap policy and enroll in a Part D prescription drug plan.


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? - ANSWER✔✔-Tell prospect Jerry Smith that he should consider adding a standalone

Part D prescription drug coverage policy to his present coverage.


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? - ANSWER✔✔-Medicare is a

program for people age 65 or older and those under age 65 with certain disabilities, end-stage renal

disease, and Lou Gehrig's disease so she will be eligible for Medicare.


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