Most carriers require brokers to have an up-to-date America’s Health Insurance Plans (AHIP) certification in order to sell Medicare Advantage plans during the Annual Enrollment Period (AEP). AHIP certification is necessary because these plans are administered by the government. Before you start AHIP Medicare training, here’s what you should know.
What to Expect During AHIP Medicare Training
AHIP Medicare training will instruct you on the following items:
- Who is eligible for Medicare and how coverage works
- An introduction to Medicare fee-for-service plans, including their benefits and who is eligible for them
- Medicare Advantage and Part D drug plans
- How to compliantly reach out to and enroll consumers in Medicare Advantage and Part D plans
In addition to the Medicare portion of the course, you’ll also have to take another section dealing with fraud, waste, and abuse (FWA). You must complete both the Medicare and FWA portions to receive your AHIP certification.
What to Expect During Fraud, Waste, and Abuse (FWA) Training
Whereas AHIP Medicare training covers important Medicare information, FWA training will teach you about:
- How to detect and report FWA when they occur within the Medicare program.
- Industry advances on fraud detection.
- How to use the legal system to stop FWA.
- The human and financial costs of FWA.
- How to report FWA.
In order to access training modules and certifications, you will need to log in through your carrier portal or through the AHIP site directly. Logging into the AHIP site will not offer discounts for the course, while logging in through carrier portals often provides a discounted rate.
What Is the Test for AHIP Certification Like?
This 50-question test is timed and administered as open book. Once you begin, you’ll have two hours to finish. Each broker gets three attempts to pass the test, and carriers can ask how many attempts it took for you to pass.
Unfortunately, this isn’t like a normal test: You’ll have to answer at least 90 percent of the questions correctly in order to pass. Although it’s an open-book test, you’ll have to learn a lot of things, and the FWA and AHIP Medicare training can be daunting. But studying hard and giving yourself lots of time to prepare will make it much easier. Before taking the timed test, you should review the AHIP training modules. AHIP has online education available, and carriers may also offer study materials.
After you have finished all required training modules and passed the exam, your AHIP certification will appear. You can transmit these results to your carrier after your exam is complete. Some results are transmitted directly, but others are not. Be sure your carrier is being sent your results before you exit your certification completely.
If you do not pass your certification exam in three attempts, carriers will not allow you to offer or renew Medicare Advantage plans.
I’ve Already Done My AHIP Medicare Training. Do I Need to Do It Every Year?
Yes. You will have to do some studying every year. The regulations surrounding Medicare Advantage change every year, so it’s important for brokers to stay updated on how to protect their consumers. Returning agents can skip forward to modules 4-5 this year, but you’ll still have to pay once again pay for the certification and take the AHIP certification test. The AHIP certification costs $175; however, many carriers offer a discounted rate of $125, if you log in through their own portals.
Where Can I Get My AHIP Certification?
If you still have AHIP Medicare certification training questions, talk to one of Excelsior’s regional sales directors. Contact Excelsior today to see how we can help guide you through this annual process.