What is AHIP certification and how do I get it?
AHIP certification is essential for insurance agents selling Medicare plans, as many carriers require it. In this article, we’ll explain what AHIP certification is, why it matters, and how you can get certified.
Section Links
1.) What is AHIP Certification?
2.) AHIP Medicare Training
3.) AHIP Fraud Waste and Abuse (FWA) Training
4.) How Do I Take The AHIP Test?
5.) About AHIP
6.) AHIP Frequently Asked Questions (FAQ)
1.) What is AHIP certification?
AHIP certification is an industry recognized method of proving that you have completed the required Medicare training courses, and you understand how to sell Medicare plans in a way that is compliant with the Centers for Medicare & Medicaid Services (CMS).
AHIP (stands for America’s Health Insurance Plans) certification is accepted by all and required by most carriers if insurance agents want to legally sell Medicare Advantage (MA) or Prescription Drug Plans (PDPs) for the current certification year.
If you aspire to sell during the Medicare Annual Enrollment Period (AEP), fulfilling this requirement is of utmost importance. This certification should be integrated into your insurance continuing education program.
Be aware that while most carriers will require AHIP certification, it will only serve as a pre-requisite to completing additional carrier specific certifications.
Check our carrier specific certification page for more details.
2.) AHIP Medicare Training
In general, the training material will test your understanding of a wide variety of Medicare related topics. Here’s a short list on what will be covered in the AHIP Course Modules:
The basics of Medicare fee-for-service eligibility and benefits
The different types of Medicare Advantage and Part D prescription drug plans
Eligibility and coverage
Nondiscrimination training
Marketing and enrollment under the Medicare Advantage and Part D program requirements
3.) AHIP Medicare Fraud Waste and Abuse Training (FWA)
Similarly, the Fraud Waste and Abuse Training (FWA) online course will teach you about:
- How to identify FWA
- Industry efforts in detecting fraud
- Legal tools to combat FWA
- The human and financial cost of FWA
- Medicare Parts C and D Fraud, Waste, and Abuse and General Compliance requirements
- Who commits FWA
- Reporting FWA; loopholes and obligations
Regulations change in the Medicare space from year to year. As such, it is not a bad idea to take the training each year and ensure that you are up to date on all the changes.
4.) How do I Get AHIP Certified?
In order to get certified you need to take and pass the AHIP Exam. To take the online exam you must register through the AHIP website. Simply login through the AHIP website using your National Producer Number (NPN) as your user name and the password you used when you logged in last.
The AHIP test is a 50 question open book test and is administered online with a 2 hour time limit. You must pass both parts of the test to be AHIP certified for the current year.
PSM is proud to offer our agents a discount for AHIP certification at $125. The test normally costs $175 for 3 attempts and you must score a 90% to pass. If you fail all 3 attempts you will need to apply again (and pay again) for 3 more attempts.
Once you have completed the AHIP certification you must then upload it to the website of each carrier you wish to work with. Upon uploading the certification, the carrier will normally have additional carrier specific training listed in order to satisfy their requirements to sell.
Be aware that many carriers will not accept 3 failures in a given plan year. If you don’t pass on the 3rd, and final exam, you would not be able to sell their products for that plan year, even if you did go on to pass the AHIP test.
There are a number of self-study insurance education courses available to help prepare you for the test. We strongly recommend you take training courses that cover the same material, to ensure you’re prepared to take the test.
5.) About America's Health Insurance Plans
In 2013, two organizations merged to create what is known today as America’s Health Insurance Plans (AHIP). Those organizations were, the Health Insurance Association of America (HIAA) and the American Association of Health Plans (AAHP).
AHIP’s vision is to shape and drive market‐based solutions and public policy strategies to improve health, affordability and financial security by:
- Promoting consumer choice and market competition
- Simplifying the health care experience for individuals and families
- Supporting constructive partnerships with all levels of government
- Partnering with health care providers on the journey from volume to value
- Addressing the burden of chronic disease and social factors that impact health
- Pursuing the promise of clinical innovations while ensuring value
- Harnessing data and technology to drive quality, efficiency, and consumer satisfaction
Don't wait. Get AHIP Certified and start selling Medicare plans today
Get AHIP Medicare certified today and unlock the opportunity to sell in one of the fastest-growing markets, helping seniors find the coverage they need while building a rewarding, lucrative career.
Dedicated AHIP Support for Insurance Agents
PSM Brokerage is dedicated to helping agents succeed in the Medicare market by providing comprehensive support and resources. From AHIP certification discounts to personalized training, we ensure you have everything you need to get certified and start selling Medicare plans.
Our team offers ongoing guidance, marketing tools, and enrollment platforms to help you build a successful Medicare insurance business while staying ahead of industry changes.
AHIP FAQ (Frequently Asked Questions)
What are the benefits of getting AHIP certified?
By obtaining AHIP certification, you gain the valuable ability to sell Medicare Advantage plans. This certification acknowledges your expertise and training as an insurance agent, specifically in FWA and other guidelines set by the Centers for Medicare & Medicaid Services (CMS). Additionally, you will acquire extensive knowledge about Medicare and Medicare Advantage plans, positioning yourself as a trusted advisor for the individuals you serve.
What is the duration for completing the AHIP course?
AHIP offers online self-paced study courses designed by experts, providing a flexible timeframe of 90 to 180 days for course completion. This allows students to enroll and complete the course at their convenience, accommodating busy schedules.
Is the AHIP certification exam an open-book format?
Yes, the AHIP certification exam is an open-book test, allowing participants to reference their notes and the course modules during the examination process for better performance.
How many attempts are allowed to pass the AHIP exam?
Participants are given three opportunities to pass the AHIP certification exam. If necessary, an agent can repurchase the AHIP course for a fee of $125 to gain additional attempts at passing all required courses and exams.
What are the prerequisites for achieving AHIP certification?
To obtain AHIP certification, one must successfully complete the AHIP training course and pass the associated online test. Registration for the test is facilitated through the AHIP website, where agents use their National Producer Number (NPN) and last-used password for login.
When do I need to renew my AHIP certification?
AHIP certification must be renewed annually before the Medicare Annual Enrollment Period (AEP). Each year’s certification ensures that agents stay up-to-date with changes in Medicare regulations and plan offerings.
Will carriers accept my AHIP certification?
Yes, once you complete the AHIP certification, you can send your results to the insurance carriers you’re contracted with. Most carriers require AHIP certification to allow you to sell their Medicare Advantage and Part D plans.
How Much Does the AHIP Cost?
PSM is proud to offer our agents a discount for AHIP certification at $125. The test normally costs $175 for 3 attempts and you must score a 90% to pass. If you fail all 3 attempts you will need to apply again (and pay again) for 3 more attempts.
How long does it take to complete AHIP?
The AHIP test is a 50 question open book test and is administered online with a 2 hour time limit. You must pass both parts of the test to be AHIP certified for the current year.
Is the AHIP exam open book?
Yes AHIP is an open-book exam. You can use your notes during the test. You can even print the training materials to use as notes. Experienced test takers recommend organizing your notes in a format that can be easily searched, such as a Word document. Remember you have two hours to complete this test. This allows slightly more than 2 minutes per question, so don’t dilly dally.
What happens if you fail the AHIP?
If you fail the AHIP test, don't worry. You can retake it up to three more times. Be aware that many carriers will not accept 3 failures in a given plan year. If you don’t pass on the 3rd, and final exam, you would not be able to sell their products for that plan year, even if you did go on to pass the AHIP test. So, take the exam seriously and take good notes to use during the test.
What is the deadline for the AHIP Test?
Well, you can’t sell MA plans until your carrier certifications are complete, and AHIP is the first step to do that. So, set a schedule for training and testing and stick to it.
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