AHIP Final Exam Latest 2025/2026
ACTUAL EXAM | Practice Test | 50
Verified Questions and Correct Answers |
A+ Graded | Verified Q&A | Pass
Guaranteed - A+ Graded
DOMAIN 1: MEDICARE BASICS AND ELIGIBILITY (10
Questions)
Q1: What is the Initial Enrollment Period (IEP) for Medicare Part B for a beneficiary turning age 65?
A. 3 months before the 65th birthday
B. 3 months before, the month of, and 3 months after the 65th birthday (7 months total)
[CORRECT]
C. The month of the 65th birthday only
D. 6 months after the 65th birthday
Correct Answer: B
,Rationale: The Initial Enrollment Period (IEP) for Medicare Part B is 7 months: 3 months before the
month of the 65th birthday, the month of the birthday, and 3 months after. Failure to enroll during
IEP may result in late enrollment penalty.
AHIP Note: This is a foundational concept tested frequently. Remember: 3-1-3 = 7 months total.
Q2: Which of the following individuals is automatically eligible for Medicare Part A without paying
premiums?
A. A 55-year-old with hypertension
B. A 62-year-old receiving Social Security disability benefits for 24 months [CORRECT]
C. A 30-year-old with a broken leg
D. A 70-year-old who never worked or paid Medicare taxes
Correct Answer: B
Rationale: Individuals under age 65 who have received Social Security Disability Insurance (SSDI)
for 24 months are automatically eligible for Medicare. ESRD and ALS also qualify (ALS has no
waiting period). Age 70 with no work history (D) would need to buy into Part A. Hypertension (A)
and broken leg (C) do not qualify for Medicare disability.
Q3: What is the monthly Part B premium for 2024?
A. $0
,B. $104.90
C. $174.70 [CORRECT]
D. $240.00
Correct Answer: C
Rationale: The standard Medicare Part B monthly premium for 2024 is $174.70. Higher-income
beneficiaries may pay more through Income-Related Monthly Adjustment Amount (IRMAA). Note:
$240 is the Part B annual deductible, not the monthly premium.
Q4: A beneficiary has End-Stage Renal Disease (ESRD). When does their Medicare coverage
typically begin?
A. Immediately upon diagnosis
B. After 24 months of disability
C. After 3 months of dialysis or upon kidney transplant [CORRECT]
D. Only after age 65
Correct Answer: C
Rationale: ESRD beneficiaries generally become eligible for Medicare after the third month of
dialysis treatments, or immediately if they receive a kidney transplant. This differs from the
24-month waiting period for other disabilities.
, Q5: Which Medicare Savings Program (MSP) pays for Part A and Part B premiums, deductibles,
coinsurance, and copayments for qualified beneficiaries?
A. Specified Low-Income Medicare Beneficiary (SLMB)
B. Qualifying Individual (QI)
C. Qualified Medicare Beneficiary (QMB) [CORRECT]
D. Qualified Disabled Working Individual (QDWI)
Correct Answer: C
Rationale: QMB is the most comprehensive MSP, covering Part A and Part B premiums,
deductibles, coinsurance, and copayments. SLMB (A) covers only Part B premiums. QI (B) covers
only Part B premiums (higher income limits than SLMB). QDWI (D) covers only Part A premiums for
disabled workers.
Q6: A beneficiary with Amyotrophic Lateral Sclerosis (ALS/Lou Gehrig's disease) is eligible for
Medicare:
A. After 24 months of receiving Social Security disability benefits
B. Immediately upon diagnosis with no waiting period [CORRECT]
C. Only after age 65
ACTUAL EXAM | Practice Test | 50
Verified Questions and Correct Answers |
A+ Graded | Verified Q&A | Pass
Guaranteed - A+ Graded
DOMAIN 1: MEDICARE BASICS AND ELIGIBILITY (10
Questions)
Q1: What is the Initial Enrollment Period (IEP) for Medicare Part B for a beneficiary turning age 65?
A. 3 months before the 65th birthday
B. 3 months before, the month of, and 3 months after the 65th birthday (7 months total)
[CORRECT]
C. The month of the 65th birthday only
D. 6 months after the 65th birthday
Correct Answer: B
,Rationale: The Initial Enrollment Period (IEP) for Medicare Part B is 7 months: 3 months before the
month of the 65th birthday, the month of the birthday, and 3 months after. Failure to enroll during
IEP may result in late enrollment penalty.
AHIP Note: This is a foundational concept tested frequently. Remember: 3-1-3 = 7 months total.
Q2: Which of the following individuals is automatically eligible for Medicare Part A without paying
premiums?
A. A 55-year-old with hypertension
B. A 62-year-old receiving Social Security disability benefits for 24 months [CORRECT]
C. A 30-year-old with a broken leg
D. A 70-year-old who never worked or paid Medicare taxes
Correct Answer: B
Rationale: Individuals under age 65 who have received Social Security Disability Insurance (SSDI)
for 24 months are automatically eligible for Medicare. ESRD and ALS also qualify (ALS has no
waiting period). Age 70 with no work history (D) would need to buy into Part A. Hypertension (A)
and broken leg (C) do not qualify for Medicare disability.
Q3: What is the monthly Part B premium for 2024?
A. $0
,B. $104.90
C. $174.70 [CORRECT]
D. $240.00
Correct Answer: C
Rationale: The standard Medicare Part B monthly premium for 2024 is $174.70. Higher-income
beneficiaries may pay more through Income-Related Monthly Adjustment Amount (IRMAA). Note:
$240 is the Part B annual deductible, not the monthly premium.
Q4: A beneficiary has End-Stage Renal Disease (ESRD). When does their Medicare coverage
typically begin?
A. Immediately upon diagnosis
B. After 24 months of disability
C. After 3 months of dialysis or upon kidney transplant [CORRECT]
D. Only after age 65
Correct Answer: C
Rationale: ESRD beneficiaries generally become eligible for Medicare after the third month of
dialysis treatments, or immediately if they receive a kidney transplant. This differs from the
24-month waiting period for other disabilities.
, Q5: Which Medicare Savings Program (MSP) pays for Part A and Part B premiums, deductibles,
coinsurance, and copayments for qualified beneficiaries?
A. Specified Low-Income Medicare Beneficiary (SLMB)
B. Qualifying Individual (QI)
C. Qualified Medicare Beneficiary (QMB) [CORRECT]
D. Qualified Disabled Working Individual (QDWI)
Correct Answer: C
Rationale: QMB is the most comprehensive MSP, covering Part A and Part B premiums,
deductibles, coinsurance, and copayments. SLMB (A) covers only Part B premiums. QI (B) covers
only Part B premiums (higher income limits than SLMB). QDWI (D) covers only Part A premiums for
disabled workers.
Q6: A beneficiary with Amyotrophic Lateral Sclerosis (ALS/Lou Gehrig's disease) is eligible for
Medicare:
A. After 24 months of receiving Social Security disability benefits
B. Immediately upon diagnosis with no waiting period [CORRECT]
C. Only after age 65
