NABIP Medicare Advantage
Certification Final Exam 2026/2027:
Complete Practice Test with Verified
Answers
MODULE 1: THE BASICS OF MEDICARE AND ALL PARTS
Questions 1-15
Question 1
A client turns 65 on June 15, 2026. What is their Initial Enrollment Period (IEP) for
Medicare?
A. January 1, 2026 to December 31, 2026
B. March 1, 2026 to September 30, 2026
C. June 1, 2026 to August 31, 2026
D. June 15, 2026 to December 15, 2026
<details>
<summary><strong>Correct Answer: B</strong></summary>
Detailed Rationale: The Initial Enrollment Period (IEP) for Medicare begins 3 months
before the month of the 65th birthday and ends 3 months after the birthday month. For
a June 15 birthday, the IEP is March 1 (3 months before June) through September 30 (3
,months after June). This 7-month window allows beneficiaries to enroll in Medicare
Parts A and B without penalty.
Key Concept: IEP = 7 months total (3 months before, month of, 3 months after)
</details>
Question 2
Which of the following services is covered under Medicare Part A?
A. Outpatient physician visits
B. Inpatient hospital stays
C. Prescription drugs
D. Routine dental care
<details>
<summary><strong>Correct Answer: B</strong></summary>
Detailed Rationale: Medicare Part A (Hospital Insurance) covers inpatient hospital stays,
skilled nursing facility care, hospice care, and some home health care. Outpatient
physician visits (A) are covered under Part B. Prescription drugs (C) are covered under
Part D. Routine dental care (D) is not covered by Original Medicare.
Key Concept: Part A = Hospital/Inpatient coverage
</details>
Question 3
,A beneficiary is enrolled in Original Medicare and wants prescription drug coverage.
Which type of plan should they consider?
A. Medicare Advantage Plan (Part C)
B. Medicare Supplement Plan (Medigap)
C. Medicare Part D Prescription Drug Plan
D. Medicare Medical Savings Account Plan
<details>
<summary><strong>Correct Answer: C</strong></summary>
Detailed Rationale: Beneficiaries with Original Medicare (Parts A and B) can obtain
prescription drug coverage through a stand-alone Medicare Part D Prescription Drug
Plan (PDP). Medicare Advantage plans (A) may include drug coverage but are an
alternative to Original Medicare. Medigap (B) supplements Original Medicare but does
not cover drugs. Medical Savings Accounts (D) are a type of Medicare Advantage plan.
Key Concept: Original Medicare + Part D PDP = Drug coverage
</details>
Question 4
What is the primary difference between Original Medicare and Medicare Advantage?
A. Original Medicare is administered by the government; Medicare Advantage plans are
offered by private insurance companies approved by Medicare
B. Original Medicare covers prescription drugs; Medicare Advantage does not
C. Original Medicare requires referrals to see specialists; Medicare Advantage does not
, D. Original Medicare has out-of-pocket maximums; Medicare Advantage does not
<details>
<summary><strong>Correct Answer: A</strong></summary>
Detailed Rationale: Original Medicare is a fee-for-service health insurance program
administered directly by the federal government. Medicare Advantage (Part C) plans are
offered by private insurance companies that contract with Medicare to provide all Part A
and Part B benefits. Most Medicare Advantage plans include Part D coverage and may
offer additional benefits.
Key Concept: Original Medicare = Government-run; MA = Private insurers contracted
with Medicare
</details>
Question 5
During which enrollment period can a beneficiary switch from one Medicare Advantage
plan to another?
A. Initial Enrollment Period only
B. Annual Election Period (October 15 – December 7)
C. General Enrollment Period (January 1 – March 31)
D. Medicare Advantage Open Enrollment Period (January 1 – March 31)
<details>
<summary><strong>Correct Answer: D</strong></summary>
Certification Final Exam 2026/2027:
Complete Practice Test with Verified
Answers
MODULE 1: THE BASICS OF MEDICARE AND ALL PARTS
Questions 1-15
Question 1
A client turns 65 on June 15, 2026. What is their Initial Enrollment Period (IEP) for
Medicare?
A. January 1, 2026 to December 31, 2026
B. March 1, 2026 to September 30, 2026
C. June 1, 2026 to August 31, 2026
D. June 15, 2026 to December 15, 2026
<details>
<summary><strong>Correct Answer: B</strong></summary>
Detailed Rationale: The Initial Enrollment Period (IEP) for Medicare begins 3 months
before the month of the 65th birthday and ends 3 months after the birthday month. For
a June 15 birthday, the IEP is March 1 (3 months before June) through September 30 (3
,months after June). This 7-month window allows beneficiaries to enroll in Medicare
Parts A and B without penalty.
Key Concept: IEP = 7 months total (3 months before, month of, 3 months after)
</details>
Question 2
Which of the following services is covered under Medicare Part A?
A. Outpatient physician visits
B. Inpatient hospital stays
C. Prescription drugs
D. Routine dental care
<details>
<summary><strong>Correct Answer: B</strong></summary>
Detailed Rationale: Medicare Part A (Hospital Insurance) covers inpatient hospital stays,
skilled nursing facility care, hospice care, and some home health care. Outpatient
physician visits (A) are covered under Part B. Prescription drugs (C) are covered under
Part D. Routine dental care (D) is not covered by Original Medicare.
Key Concept: Part A = Hospital/Inpatient coverage
</details>
Question 3
,A beneficiary is enrolled in Original Medicare and wants prescription drug coverage.
Which type of plan should they consider?
A. Medicare Advantage Plan (Part C)
B. Medicare Supplement Plan (Medigap)
C. Medicare Part D Prescription Drug Plan
D. Medicare Medical Savings Account Plan
<details>
<summary><strong>Correct Answer: C</strong></summary>
Detailed Rationale: Beneficiaries with Original Medicare (Parts A and B) can obtain
prescription drug coverage through a stand-alone Medicare Part D Prescription Drug
Plan (PDP). Medicare Advantage plans (A) may include drug coverage but are an
alternative to Original Medicare. Medigap (B) supplements Original Medicare but does
not cover drugs. Medical Savings Accounts (D) are a type of Medicare Advantage plan.
Key Concept: Original Medicare + Part D PDP = Drug coverage
</details>
Question 4
What is the primary difference between Original Medicare and Medicare Advantage?
A. Original Medicare is administered by the government; Medicare Advantage plans are
offered by private insurance companies approved by Medicare
B. Original Medicare covers prescription drugs; Medicare Advantage does not
C. Original Medicare requires referrals to see specialists; Medicare Advantage does not
, D. Original Medicare has out-of-pocket maximums; Medicare Advantage does not
<details>
<summary><strong>Correct Answer: A</strong></summary>
Detailed Rationale: Original Medicare is a fee-for-service health insurance program
administered directly by the federal government. Medicare Advantage (Part C) plans are
offered by private insurance companies that contract with Medicare to provide all Part A
and Part B benefits. Most Medicare Advantage plans include Part D coverage and may
offer additional benefits.
Key Concept: Original Medicare = Government-run; MA = Private insurers contracted
with Medicare
</details>
Question 5
During which enrollment period can a beneficiary switch from one Medicare Advantage
plan to another?
A. Initial Enrollment Period only
B. Annual Election Period (October 15 – December 7)
C. General Enrollment Period (January 1 – March 31)
D. Medicare Advantage Open Enrollment Period (January 1 – March 31)
<details>
<summary><strong>Correct Answer: D</strong></summary>
