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AHIP FINAL EXAM PRACTICE TEST 2026/2027 | 200
Questions & Verified Answers | 100% Correct | Pass
Guaranteed - A+ Graded
SECTION 1: Medicare Basics & Eligibility (Q1-Q30)
Q1: A client turns 65 on March 15, 2026. When does their Initial Enrollment Period
(IEP) for Medicare begin and end?
A. January 1, 2026 to June 30, 2026
B. December 1, 2025 to June 30, 2026
C. October 15, 2025 to March 15, 2026
D. January 1, 2026 to December 31, 2026
B. December 1, 2025 to June 30, 2026 [CORRECT]
Correct Answer: B
Rationale: The IEP is a 7-month period that begins 3 months before the month of the
65th birthday, includes the birthday month, and ends 3 months after. For a March 15
birthday, this is December 1, 2025 through June 30, 2026. Option A misses the pre-
birthday months. Option C ends at the birthday. Option D is a calendar year, not the IEP.
Q2: A 62-year-old client has been receiving Social Security Disability Insurance (SSDI)
for 20 months. When will they become eligible for Medicare?
A. Immediately, as they are already disabled
B. After 24 months of SSDI benefits
C. At age 65, regardless of disability status
D. After 12 months of SSDI benefits
B. After 24 months of SSDI benefits [CORRECT]
Correct Answer: B
Rationale: Individuals under 65 become eligible for Medicare after receiving SSDI
benefits for 24 months. With 20 months completed, they have 4 months remaining. Age
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65 (C) is the standard eligibility but not the earliest for disabled individuals. The 12-
month (D) and immediate (A) options do not reflect CMS rules.
Q3: A client is diagnosed with Amyotrophic Lateral Sclerosis (ALS). When does
Medicare coverage begin?
A. The first day of the month after diagnosis
B. The first day of disability
C. The first day of the month SSDI benefits begin
D. Immediately upon diagnosis with no waiting period
C. The first day of the month SSDI benefits begin [CORRECT]
Correct Answer: C
Rationale: For ALS patients, Medicare coverage begins the first day of the month that
SSDI benefits begin, with no 24-month waiting period. It is not immediate upon
diagnosis (D) or the first day of disability (B). The month after diagnosis (A) is incorrect.
Q4: A client with End-Stage Renal Disease (ESRD) requires dialysis. When does their
Medicare coverage typically begin?
A. The first day of the month they begin dialysis
B. The fourth month of dialysis treatment
C. The first day of the month they receive a kidney transplant
D. The first month they are diagnosed with ESRD
B. The fourth month of dialysis treatment [CORRECT]
Correct Answer: B
Rationale: For ESRD patients on dialysis, Medicare coverage typically begins the first
day of the fourth month of dialysis treatment. Coverage can begin earlier (first month) if
the patient completes a home dialysis training program. The first month of dialysis (A)
is incorrect without home training. Transplant (C) and diagnosis (D) are not the
standard triggers.
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Q5: A client asks what "Original Medicare" includes. The correct response is:
A. Parts A, B, C, and D
B. Parts A and B only
C. Parts C and D only
D. Part A only
B. Parts A and B only [CORRECT]
Correct Answer: B
Rationale: Original Medicare consists of Part A (Hospital Insurance) and Part B (Medical
Insurance) only. Part C (Medicare Advantage) and Part D (Prescription Drug Coverage)
are separate programs offered by private insurers, not part of Original Medicare.
Options A, C, and D incorrectly include or exclude components.
Q6: A client asks about the role of the Centers for Medicare & Medicaid Services (CMS).
Which statement is correct?
A. CMS is a private insurance company that sells Medicare Advantage plans
B. CMS is the federal agency that administers Medicare, Medicaid, and the Children's
Health Insurance Program
C. CMS sets premium rates for all Medigap plans nationwide
D. CMS only oversees Medicare Part A and Part B
B. CMS is the federal agency that administers Medicare, Medicaid, and the
Children's Health Insurance Program [CORRECT]
Correct Answer: B
Rationale: CMS is a federal agency within the Department of Health and Human Services
that administers Medicare, Medicaid, CHIP, and the Health Insurance Marketplace. CMS
does not sell insurance (A). CMS standardizes Medigap benefits but does not set
premium rates (C). CMS oversees all Medicare parts, not just A and B (D).
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Q7: A client asks how Medicare is funded. Which statement is correct?
A. Medicare is funded entirely by beneficiary premiums
B. Medicare Part A is funded primarily through payroll taxes, while Part B is funded
through beneficiary premiums and general revenue
C. Medicare is funded entirely by federal income taxes
D. Medicare is funded through state taxes only
B. Medicare Part A is funded primarily through payroll taxes, while Part B is
funded through beneficiary premiums and general revenue [CORRECT]
Correct Answer: B
Rationale: Medicare Part A is funded primarily through the Hospital Insurance (HI)
Trust Fund via payroll taxes (FICA). Part B is funded through beneficiary premiums
(about 25%) and general revenue from the federal government (about 75%). It is not
funded entirely by premiums (A), income taxes (C), or state taxes (D).
Q8: A client asks what their Medicare number is. The correct response is:
A. Their Social Security Number followed by a letter
B. A randomly generated 11-character alphanumeric identifier
C. Their date of birth in MMDDYYYY format
D. Their Social Security Number only
B. A randomly generated 11-character alphanumeric identifier [CORRECT]
Correct Answer: B
Rationale: Since April 2018, CMS has issued new Medicare cards with randomly
generated 11-character Medicare Beneficiary Identifiers (MBI) to protect against
identity theft. The old system used the SSN followed by a letter (A), which is no longer
issued. The MBI is not based on date of birth (C) or SSN only (D).
Q9: A client who is still working at age 65 and has employer group health coverage asks
if they must enroll in Medicare Part B immediately. What is the correct guidance?
AHIP FINAL EXAM PRACTICE TEST 2026/2027 | 200
Questions & Verified Answers | 100% Correct | Pass
Guaranteed - A+ Graded
SECTION 1: Medicare Basics & Eligibility (Q1-Q30)
Q1: A client turns 65 on March 15, 2026. When does their Initial Enrollment Period
(IEP) for Medicare begin and end?
A. January 1, 2026 to June 30, 2026
B. December 1, 2025 to June 30, 2026
C. October 15, 2025 to March 15, 2026
D. January 1, 2026 to December 31, 2026
B. December 1, 2025 to June 30, 2026 [CORRECT]
Correct Answer: B
Rationale: The IEP is a 7-month period that begins 3 months before the month of the
65th birthday, includes the birthday month, and ends 3 months after. For a March 15
birthday, this is December 1, 2025 through June 30, 2026. Option A misses the pre-
birthday months. Option C ends at the birthday. Option D is a calendar year, not the IEP.
Q2: A 62-year-old client has been receiving Social Security Disability Insurance (SSDI)
for 20 months. When will they become eligible for Medicare?
A. Immediately, as they are already disabled
B. After 24 months of SSDI benefits
C. At age 65, regardless of disability status
D. After 12 months of SSDI benefits
B. After 24 months of SSDI benefits [CORRECT]
Correct Answer: B
Rationale: Individuals under 65 become eligible for Medicare after receiving SSDI
benefits for 24 months. With 20 months completed, they have 4 months remaining. Age
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65 (C) is the standard eligibility but not the earliest for disabled individuals. The 12-
month (D) and immediate (A) options do not reflect CMS rules.
Q3: A client is diagnosed with Amyotrophic Lateral Sclerosis (ALS). When does
Medicare coverage begin?
A. The first day of the month after diagnosis
B. The first day of disability
C. The first day of the month SSDI benefits begin
D. Immediately upon diagnosis with no waiting period
C. The first day of the month SSDI benefits begin [CORRECT]
Correct Answer: C
Rationale: For ALS patients, Medicare coverage begins the first day of the month that
SSDI benefits begin, with no 24-month waiting period. It is not immediate upon
diagnosis (D) or the first day of disability (B). The month after diagnosis (A) is incorrect.
Q4: A client with End-Stage Renal Disease (ESRD) requires dialysis. When does their
Medicare coverage typically begin?
A. The first day of the month they begin dialysis
B. The fourth month of dialysis treatment
C. The first day of the month they receive a kidney transplant
D. The first month they are diagnosed with ESRD
B. The fourth month of dialysis treatment [CORRECT]
Correct Answer: B
Rationale: For ESRD patients on dialysis, Medicare coverage typically begins the first
day of the fourth month of dialysis treatment. Coverage can begin earlier (first month) if
the patient completes a home dialysis training program. The first month of dialysis (A)
is incorrect without home training. Transplant (C) and diagnosis (D) are not the
standard triggers.
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Q5: A client asks what "Original Medicare" includes. The correct response is:
A. Parts A, B, C, and D
B. Parts A and B only
C. Parts C and D only
D. Part A only
B. Parts A and B only [CORRECT]
Correct Answer: B
Rationale: Original Medicare consists of Part A (Hospital Insurance) and Part B (Medical
Insurance) only. Part C (Medicare Advantage) and Part D (Prescription Drug Coverage)
are separate programs offered by private insurers, not part of Original Medicare.
Options A, C, and D incorrectly include or exclude components.
Q6: A client asks about the role of the Centers for Medicare & Medicaid Services (CMS).
Which statement is correct?
A. CMS is a private insurance company that sells Medicare Advantage plans
B. CMS is the federal agency that administers Medicare, Medicaid, and the Children's
Health Insurance Program
C. CMS sets premium rates for all Medigap plans nationwide
D. CMS only oversees Medicare Part A and Part B
B. CMS is the federal agency that administers Medicare, Medicaid, and the
Children's Health Insurance Program [CORRECT]
Correct Answer: B
Rationale: CMS is a federal agency within the Department of Health and Human Services
that administers Medicare, Medicaid, CHIP, and the Health Insurance Marketplace. CMS
does not sell insurance (A). CMS standardizes Medigap benefits but does not set
premium rates (C). CMS oversees all Medicare parts, not just A and B (D).
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Q7: A client asks how Medicare is funded. Which statement is correct?
A. Medicare is funded entirely by beneficiary premiums
B. Medicare Part A is funded primarily through payroll taxes, while Part B is funded
through beneficiary premiums and general revenue
C. Medicare is funded entirely by federal income taxes
D. Medicare is funded through state taxes only
B. Medicare Part A is funded primarily through payroll taxes, while Part B is
funded through beneficiary premiums and general revenue [CORRECT]
Correct Answer: B
Rationale: Medicare Part A is funded primarily through the Hospital Insurance (HI)
Trust Fund via payroll taxes (FICA). Part B is funded through beneficiary premiums
(about 25%) and general revenue from the federal government (about 75%). It is not
funded entirely by premiums (A), income taxes (C), or state taxes (D).
Q8: A client asks what their Medicare number is. The correct response is:
A. Their Social Security Number followed by a letter
B. A randomly generated 11-character alphanumeric identifier
C. Their date of birth in MMDDYYYY format
D. Their Social Security Number only
B. A randomly generated 11-character alphanumeric identifier [CORRECT]
Correct Answer: B
Rationale: Since April 2018, CMS has issued new Medicare cards with randomly
generated 11-character Medicare Beneficiary Identifiers (MBI) to protect against
identity theft. The old system used the SSN followed by a letter (A), which is no longer
issued. The MBI is not based on date of birth (C) or SSN only (D).
Q9: A client who is still working at age 65 and has employer group health coverage asks
if they must enroll in Medicare Part B immediately. What is the correct guidance?
