Exam (elaborations)
2025 AHIP FINAL EXAM QUESTIONS WITH COMPLETE ANSWERS
2025 AHIP FINAL EXAM QUESTIONS WITH COMPLETE ANSWERS
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2025 AHIP FINAL EXAM QUESTIONS
WITH COMPLETE ANSWERS
Mrs. ooShields oois oocovered ooby ooOriginal ooMedicare. ooShe oosustained ooa oohip
oofracture ooand oois oobeing oosuccessfully ootreated oofor oothat oocondition. ooHowever,
ooshe ooand ooher oophysicians oofeel oothat ooafter ooher oolengthy oohospital oostay, ooshe
oowill ooneed ooa oomonth ooor ootwo ooof oonursing ooand oorehabilitative oocare. ooWhat
ooshould ooyou ootell oothem ooabout ooOriginal ooMedicare's oocoverage ooof oocare ooin ooa
ooskilled oonursing oofacility? oo- ooAnswerMedicare oowill oocover ooMrs. ooShield's ooskilled
oonursing ooservices ooprovided ooduring oothe oofirst oo20 oodays ooof ooher oostay, ooafter
oowhich ooshe oowould oohave ooa oocopay oountil ooshe oohas oobeen ooin oothe oofacility oofor
oo100 oodays.
Mrs. ooWest oowears ooglasses ooand oodentures ooand oohas ooenjoyed ooconsiderable
oopain oorelief oofrom ooarthritis oothrough oomassage ootherapy. ooShe oois ooconcerned
ooabout oowhether ooor oonot ooMedicare oowill oocover oothese ooitems ooand ooservices.
ooWhat ooshould ooyou ootell ooher? oo- ooAnswerMedicare oodoes oonot oocover oomassage
ootherapy, ooor, ooin oogeneral, ooglasses ooor oodentures.
Mrs. ooPark oois ooan ooelderly ooretiree. ooMrs. ooPark oohas ooa oolow oofixed ooincome.
ooWhat oocould ooyou ootell ooMrs. ooPark oothat oomight oobe ooof ooassistance? oo-
ooAnswerShe ooshould oocontact ooher oostate ooMedicaid ooagency ooto oosee ooif ooshe
ooqualifies oofor ooone ooof ooseveral ooprograms oothat oocan oohelp oowith ooMedicare
oocosts oofor oowhich ooshe oois ooresponsible.
Mr. ooAlonso ooreceives oosome oohelp oopaying oofor oohis ootwo oogeneric ooprescription
oodrugs oofrom oohis ooemployer's ooretiree oocoverage, oobut oohe oowants ooto oocompare
ooit ooto ooa ooPart ooD ooprescription oodrug ooplan. ooHe ooasks ooyou oowhat oocosts oohe
oowould oogenerally ooexpect ooto ooencounter oowhen ooenrolling oointo ooa oostandard
ooMedicare ooPart ooD ooprescription oodrug ooplan. ooWhat ooshould ooyou ootell oohim? oo-
ooAnswerHe oogenerally oowould oopay ooa oomonthly oopremium, ooannual oodeductible,
ooand ooper-prescription oocost-sharing.
Mrs. ooGonzalez oois ooenrolled ooin ooOriginal ooMedicare ooand oohas ooa ooMedigap
oopolicy ooas oowell, oobut ooit ooprovides oono oodrug oocoverage. ooShe oowould oolike ooto
ookeep oothe oocoverage ooshe oohas oobut ooreplace ooher ooexisting ooMedigap ooplan oowith
,ooone oothat ooprovides oodrug oocoverage. ooWhat ooshould ooyou ootell ooher? oo-
ooAnswerMrs. ooGonzalez oocannot oopurchase ooa ooMedigap ooplan oothat oocovers
oodrugs, oobut ooshe oocould ookeep ooher ooMedigap oopolicy ooand ooenroll ooin ooa ooPart
ooD ooprescription oodrug ooplan.
Mr. ooDavis oois oo52 ooyears ooold ooand oohas oorecently oobeen oodiagnosed oowith ooend-
stage oorenal oodisease oo(ESRD) ooand oowill oosoon oobegin oodialysis. ooHe oois
oowondering ooif oohe oocan ooobtain oocoverage oounder ooMedicare. ooWhat ooshould ooyou
ootell oohim? oo- ooAnswerHe oomay oosign-up oofor ooMedicare ooat ooany ootime oohowever
oocoverage oousually oobegins ooon oothe oofourth oomonth ooafter oodialysis ootreatments
oostart.
Mrs. ooDuarte oois ooenrolled ooin ooOriginal ooMedicare ooParts ooA ooand ooB. ooShe oohas
oorecently ooreviewed ooher ooMedicare ooSummary ooNotice oo(MSN) ooand oodisagrees
oowith ooa oodetermination oothat oopartially oodenied ooone ooof ooher ooclaims oofor
ooservices. ooWhat ooadvice oowould ooyou oogive ooher? oo- ooAnswerMrs. ooDuarte ooshould
oofile ooan ooappeal ooof oothis ooinitial oodetermination oowithin oo120 oodays ooof oothe oodate
ooshe ooreceived oothe ooMSN ooin oothe oomail.
Mrs. ooGeisler's ooneighbor ootold ooher ooshe ooshould oolook ooat ooher ooPart ooD oooptions
ooduring oothe ooannual ooMedicare ooenrollment ooperiod oobecause oothe oofeatures ooof
ooPart ooD oomight oohave oochanged. ooMrs. ooGeisler oocan't ooremember oowhat ooPart ooD
oois ooso ooshe oocalled ooyou ooto ooask oowhat ooher ooneighbor oowas ootalking ooabout.
ooWhat oocould ooyou ootell ooher? oo- ooAnswerPart ooD oocovers ooprescription oodrugs
ooand ooshe ooshould oolook ooat ooher oopremiums, ooformulary, ooand oocost-sharing
ooamong ooother oofactors ooto oosee ooif oothey oohave oochanged.
Mr. ooRainey oois ooexperiencing ooparanoid oodelusions ooand oohis oophysician oofeels
oothat oohe ooshould oobe oohospitalized. ooWhat ooshould ooyou ootell ooMr. ooRainey oo(or
oohis oorepresentative) ooabout oothe oolength ooof ooan ooinpatient oopsychiatric oohospital
oostay oothat ooMedicare oowill oocover? oo- ooAnswerMedicare oowill oocover ooa oototal ooof
oo190 oodays ooof ooinpatient oopsychiatric oocare ooduring ooMr. ooRainey's ooentire
oolifetime.
Mr. ooXi oowill oosoon ooturn ooage oo65 ooand oohas oocome ooto ooyou oofor ooadvice ooas ooto
oowhat ooservices ooare ooprovided oounder ooOriginal ooMedicare. ooWhat ooshould ooyou
ootell ooMr. ooXi oothat oobest oodescribes oothe oohealth oocoverage ooprovided ooto
ooMedicare oobeneficiaries? oo- ooAnswerBeneficiaries oounder ooOriginal ooMedicare
oohave oono oocost-sharing oofor oomost oopreventive ooservices.
Mr. ooSingh oowould oolike oodrug oocoverage oobut oodoes oonot oowant ooto oobe ooenrolled
ooin ooa ooMedicare ooAdvantage ooplan. ooWhat ooshould ooyou ootell oohim? oo- ooAnswerMr.
ooSingh oocan ooenroll ooin ooa oostand-alone ooprescription oodrug ooplan ooand oocontinue
ooto oobe oocovered oofor ooPart ooA ooand ooPart ooB ooservices oothrough ooOriginal ooFee-
for-Service ooMedicare.
, Mrs. ooChen oowill oobe oo65 oosoon, oohas oobeen ooa oocitizen oofor ootwelve ooyears, oohas
oobeen ooemployed oofull ootime, ooand oopaid ootaxes ooduring oothat ooentire ooperiod. ooShe
oois ooconcerned oothat ooshe oowill oonot ooqualify oofor oocoverage oounder oopart ooA
oobecause ooshe oowas oonot ooborn ooin oothe ooUnited ooStates. ooWhat ooshould ooyou ootell
ooher? oo- ooAnswerMost ooindividuals oowho ooare oocitizens ooand ooage oo65 ooor ooover
ooare oocovered oounder ooPart ooA ooby oovirtue ooof oohaving oopaid ooMedicare ootaxes
oowhile ooworking, oothough oosome oomay oobe oocovered ooas ooa ooresult ooof oopaying
oomonthly oopremiums.
Mrs. ooQuinn oorecently ooturned oo66 ooand oodecided ooafter oomany ooyears ooof oowork
ooto ooretire ooand oobegin ooreceiving ooSocial ooSecurity oobenefits. ooShortly oothereafter
ooMrs. ooQuinn ooreceived ooa ooletter ooinforming ooher oothat ooshe oohad oobeen
ooautomatically ooenrolled ooin ooMedicare ooPart ooB. ooShe oowants ooto oounderstand
oowhat oothis oomeans. ooWhat ooshould ooyou ootell ooMrs. ooQuinn? oo- ooAnswerPart ooB
ooprimarily oocovers oophysician ooservices. ooShe oowill oobe oopaying ooa oomonthly
oopremium ooand, ooexcept oofor oomany oopreventive ooand ooscreening ootests, oogenerally
oowill oohave oo20% ooco-payments oofor oothese ooservices, ooin ooaddition ooto ooan
ooannual oodeductible.
Mr. ooPatel oois ooin oogood oohealth ooand oois oopreparing ooa oobudget ooin ooanticipation
ooof oohis ooretirement oowhen oohe ooturns oo66. ooHe oowants ooto oounderstand oothe
oohealth oocare oocosts oohe oomight oobe ooexposed ooto oounder ooMedicare ooif oohe oowere
ooto oorequire oohospitalization oobecause ooof ooan ooillness. ooIn oogeneral ooterms, oowhat
oocould ooyou ootell oohim ooabout oohis oocosts oofor ooinpatient oohospital ooservices oounder
ooOriginal ooMedicare? oo- ooAnswerUnder ooOriginal ooMedicare, oothere oois ooa oosingle
oodeductible ooamount oodue oofor oothe oofirst oo60 oodays ooof ooany ooinpatient oohospital
oostay, ooafter oowhich ooit ooconverts oointo ooa ooper-day oocoinsurance ooamount oothrough
ooday oo90. ooAfter ooday oo90, oohe oowould oopay ooa oodaily ooamount ooup ooto oo60 oodays
ooover oohis oolifetime, ooafter oowhich oohe oowould oobe ooresponsible oofor ooall oocosts.
What ooimpact, ooif ooany, oohave oorecent ooregulatory oochanges oohad ooon ooMedigap
ooplans? oo- ooAnswerThe ooPart ooB oodeductible oois oono oolonger oocovered oofor
ooindividuals oonewly ooeligible oofor ooMedicare oostarting ooJanuary oo1, oo2020.
Mrs. ooPaterson oois ooconcerned ooabout oothe oodeductibles ooand ooco-payments
ooassociated oowith ooOriginal ooMedicare. ooWhat oocan ooyou ootell ooher ooabout
ooMedigap ooas ooan oooption ooto ooaddress oothis ooconcern? oo- ooAnswerMedigap ooplans
oodo oonot oocover ooOriginal ooMedicare oobenefits, oobut oothey oocoordinate oowith
ooOriginal ooMedicare oocoverage.
Mrs. ooTurner oois oocomparing ooher ooemployer's ooretiree ooinsurance ooto ooOriginal
ooMedicare ooand oowould oolike ooto ooknow oowhich ooof oothe oofollowing ooservices
ooOriginal ooMedicare oowill oocover ooif oothe ooappropriate oocriteria ooare oomet. ooWhat
oocould ooyou ootell ooher? oo- ooAnswerOriginal ooMedicare oocovers ooambulance
ooservices.