What is AHIP
If you are thinking about starting a Medicare slaes business, you have probably heard people talking about AHIP. If that is the case then you most likely have asked the question; what is AHIP.
There are many rules in place to protect consumers from being taken advantage of by unethical Medicare sales representatives.
AHIP certification is one way that the CMS makes sure Medicare agents follow the rules for MA and PDP plan sales. Once you pass AHIP you are compliant with the current rules that CMS has put in place and are one step closer to being ready to sell for the year. Because the rules can change every year, you need to take the AHIP annually to stay compliant.
Keep in mind: AHIP is the certification for MA and PDP plans. Medicare supplement plans do not require an AHIP certification. Most Medicare supplements also do not require a carrier certification with the exception of United Healthcare.
AHIP has made their certification for 2021 available as of June 22, 2020.
If you decide to go directly through the AHIP site, the cost for the course and test is $175. If however, you decide to take the certification through one of the major carriers who offer it, you have to wait about a week and they will have it available; the cost will be $125. Certain carriers will let you take the certification free of charge if you have enough product sales. (Aetna; if you are part of the front runner program).
There have been a few changes made for the 2021 Modules.
About the test:
There are 50 questions on the test this year. You still need to get a 90% or higher to pass the test.
After you pass the Medicare AHIP test, you must take 3 more tests: Medicare FWA, Nondiscrimination and General compliance. Each of these tests is only 10 questions. All you need is a score of 70% or higher to pass these tests. You must pass all sections of the test to receive your AHIP certificate for 2021.
You have only 3 attempts to pass the test. If you do not pass, you can purchase 3 more tries, but some companies will not allow you to sell their products during the year.
Once you pass the tests. Download your 2021 AHIP certificate. This way you can transmit your results to the carriers who you are contracted to sell with.
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