AHIP FINAL EXAM LATEST 2026/2027 | 50 Verified Questions
& Correct Answers | A+ Graded | Pass Guaranteed - A+
Graded
SECTION 1: MEDICARE BASICS & ELIGIBILITY (Q1-Q8)
Q1: A 67-year-old individual who worked and paid Medicare taxes for 12 years (48
quarters) is turning 65 in March 2027. Their spouse is 62 and still working. When is this
individual's Initial Enrollment Period (IEP) for Medicare Part A and Part B?
A. January 1, 2027 – July 31, 2027 [CORRECT]
B. March 1, 2027 – September 30, 2027
C. October 15, 2026 – December 7, 2026
D. January 1, 2027 – March 31, 2027
Correct Answer: A
Rationale: The IEP is a 7-month window that begins 3 months before the month of the
65th birthday, includes the birthday month, and ends 3 months after. For someone
turning 65 in March 2027, the IEP runs from January 1, 2027 to July 31, 2027. Option B
incorrectly starts in the birthday month. Option C is the Annual Enrollment Period (AEP).
Option D is the General Enrollment Period (GEP), which is not the correct IEP window.
Q2: A 58-year-old has been receiving Social Security Disability Insurance (SSDI) for 20
months due to a disabling condition. When will they become eligible for Medicare?
A. Immediately, because they are receiving SSDI
B. After 24 months of receiving SSDI benefits [CORRECT]
C. At age 65, regardless of disability status
,D. Only if they have end-stage renal disease (ESRD)
Correct Answer: B
Rationale: Most individuals under 65 who qualify for Medicare based on disability must
receive SSDI benefits for 24 months before becoming eligible for Medicare (the
24-month waiting period). The only exceptions to this waiting period are individuals with
ALS (Amyotrophic Lateral Sclerosis), who qualify immediately upon SSDI approval, and
those with ESRD, who qualify based on dialysis or transplant status. Option A is
incorrect because the 24-month waiting period applies. Option C is incorrect because
disability-based Medicare eligibility does not require waiting until age 65.
Q3: A 45-year-old has been diagnosed with Amyotrophic Lateral Sclerosis (ALS). They
are approved for Social Security Disability Insurance (SSDI). When does their Medicare
coverage begin?
A. After 24 months of receiving SSDI benefits
B. The first month they are entitled to receive SSDI disability benefits [CORRECT]
C. At age 65, like all other Medicare beneficiaries
D. Only after they begin receiving hospice care
Correct Answer: B
Rationale: The Medicare Prescription Drug, Improvement, and Modernization Act of
2003 eliminated the 24-month waiting period for individuals with ALS. Medicare
coverage begins the first month the individual is entitled to SSDI benefits due to ALS.
This is a special provision that does not apply to other disabilities. Options A and C
represent the standard rules that do not apply to ALS. Option D is incorrect because
hospice eligibility is not a prerequisite for Medicare coverage in ALS.
,Q4: A 62-year-old has been diagnosed with end-stage renal disease (ESRD) and has
started dialysis. They are not yet entitled to Social Security benefits. When will they
become eligible for Medicare based on ESRD?
A. Immediately upon diagnosis of ESRD
B. The first day of the fourth month of dialysis treatments, or the first month of dialysis
if they participate in a home dialysis training program [CORRECT]
C. Only after receiving a kidney transplant
D. At age 65, regardless of ESRD status
Correct Answer: B
Rationale: For individuals with ESRD who are not yet entitled to Social Security benefits,
Medicare eligibility begins the first day of the fourth month of dialysis treatments.
However, if the individual participates in a home dialysis training program, Medicare can
begin the first month of dialysis. This is a specific CMS rule for ESRD beneficiaries.
Option A is incorrect because there is a waiting period. Option C is incorrect because
Medicare eligibility for ESRD begins with dialysis, not transplant. Option D is incorrect
because ESRD creates earlier eligibility.
Q5: A Medicare beneficiary receives a new Medicare card in the mail. Which statement
about the Medicare card is most accurate according to CMS guidelines?
A. The Medicare card should be carried at all times and the Medicare number should be
shared freely with anyone who requests it
B. The Medicare card contains a new Medicare Number that is randomly generated and
no longer based on the beneficiary's Social Security number [CORRECT]
C. The Medicare card is only needed when visiting the hospital, not for doctor's office
visits
D. The Medicare card should be laminated to protect it from damage
Correct Answer: B
Rationale: Since April 2018, CMS has issued new Medicare cards with randomly
generated Medicare Numbers (replacing the old system based on Social Security
, numbers) to help prevent fraud and identity theft. Option A is incorrect because
beneficiaries should protect their Medicare number and only share it with trusted
healthcare providers. Option C is incorrect because the Medicare card is needed for all
Medicare-covered services. Option D is incorrect because laminating the card can
damage the security features and may cause providers to reject it.
Q6: A 65-year-old is eligible for premium-free Part A because they have 40 quarters of
Medicare-covered employment. What is their monthly Part A premium in 2026?
A. $311 per month
B. $565 per month
C. $0 per month [CORRECT]
D. $202.90 per month
Correct Answer: C
Rationale: Approximately 99% of Medicare beneficiaries do not pay a Part A premium
because they or their spouse have at least 40 quarters (10 years) of Medicare-covered
employment. The $311 premium (Option A) applies to those with 30-39 quarters of
coverage. The $565 premium (Option B) applies to those with fewer than 30 quarters.
$202.90 (Option D) is the 2026 standard Part B premium, not Part A.
Q7: A 64-year-old is planning to retire at age 65 and wants to understand Medicare
coverage options. Which statement best describes the difference between Original
Medicare and Medicare Advantage (Part C)?
A. Original Medicare is provided by private insurance companies, while Medicare
Advantage is run by the federal government
B. Medicare Advantage plans must cover all services that Original Medicare covers and
may offer additional benefits, but they use a network of providers and have different
cost-sharing structures [CORRECT]
& Correct Answers | A+ Graded | Pass Guaranteed - A+
Graded
SECTION 1: MEDICARE BASICS & ELIGIBILITY (Q1-Q8)
Q1: A 67-year-old individual who worked and paid Medicare taxes for 12 years (48
quarters) is turning 65 in March 2027. Their spouse is 62 and still working. When is this
individual's Initial Enrollment Period (IEP) for Medicare Part A and Part B?
A. January 1, 2027 – July 31, 2027 [CORRECT]
B. March 1, 2027 – September 30, 2027
C. October 15, 2026 – December 7, 2026
D. January 1, 2027 – March 31, 2027
Correct Answer: A
Rationale: The IEP is a 7-month window that begins 3 months before the month of the
65th birthday, includes the birthday month, and ends 3 months after. For someone
turning 65 in March 2027, the IEP runs from January 1, 2027 to July 31, 2027. Option B
incorrectly starts in the birthday month. Option C is the Annual Enrollment Period (AEP).
Option D is the General Enrollment Period (GEP), which is not the correct IEP window.
Q2: A 58-year-old has been receiving Social Security Disability Insurance (SSDI) for 20
months due to a disabling condition. When will they become eligible for Medicare?
A. Immediately, because they are receiving SSDI
B. After 24 months of receiving SSDI benefits [CORRECT]
C. At age 65, regardless of disability status
,D. Only if they have end-stage renal disease (ESRD)
Correct Answer: B
Rationale: Most individuals under 65 who qualify for Medicare based on disability must
receive SSDI benefits for 24 months before becoming eligible for Medicare (the
24-month waiting period). The only exceptions to this waiting period are individuals with
ALS (Amyotrophic Lateral Sclerosis), who qualify immediately upon SSDI approval, and
those with ESRD, who qualify based on dialysis or transplant status. Option A is
incorrect because the 24-month waiting period applies. Option C is incorrect because
disability-based Medicare eligibility does not require waiting until age 65.
Q3: A 45-year-old has been diagnosed with Amyotrophic Lateral Sclerosis (ALS). They
are approved for Social Security Disability Insurance (SSDI). When does their Medicare
coverage begin?
A. After 24 months of receiving SSDI benefits
B. The first month they are entitled to receive SSDI disability benefits [CORRECT]
C. At age 65, like all other Medicare beneficiaries
D. Only after they begin receiving hospice care
Correct Answer: B
Rationale: The Medicare Prescription Drug, Improvement, and Modernization Act of
2003 eliminated the 24-month waiting period for individuals with ALS. Medicare
coverage begins the first month the individual is entitled to SSDI benefits due to ALS.
This is a special provision that does not apply to other disabilities. Options A and C
represent the standard rules that do not apply to ALS. Option D is incorrect because
hospice eligibility is not a prerequisite for Medicare coverage in ALS.
,Q4: A 62-year-old has been diagnosed with end-stage renal disease (ESRD) and has
started dialysis. They are not yet entitled to Social Security benefits. When will they
become eligible for Medicare based on ESRD?
A. Immediately upon diagnosis of ESRD
B. The first day of the fourth month of dialysis treatments, or the first month of dialysis
if they participate in a home dialysis training program [CORRECT]
C. Only after receiving a kidney transplant
D. At age 65, regardless of ESRD status
Correct Answer: B
Rationale: For individuals with ESRD who are not yet entitled to Social Security benefits,
Medicare eligibility begins the first day of the fourth month of dialysis treatments.
However, if the individual participates in a home dialysis training program, Medicare can
begin the first month of dialysis. This is a specific CMS rule for ESRD beneficiaries.
Option A is incorrect because there is a waiting period. Option C is incorrect because
Medicare eligibility for ESRD begins with dialysis, not transplant. Option D is incorrect
because ESRD creates earlier eligibility.
Q5: A Medicare beneficiary receives a new Medicare card in the mail. Which statement
about the Medicare card is most accurate according to CMS guidelines?
A. The Medicare card should be carried at all times and the Medicare number should be
shared freely with anyone who requests it
B. The Medicare card contains a new Medicare Number that is randomly generated and
no longer based on the beneficiary's Social Security number [CORRECT]
C. The Medicare card is only needed when visiting the hospital, not for doctor's office
visits
D. The Medicare card should be laminated to protect it from damage
Correct Answer: B
Rationale: Since April 2018, CMS has issued new Medicare cards with randomly
generated Medicare Numbers (replacing the old system based on Social Security
, numbers) to help prevent fraud and identity theft. Option A is incorrect because
beneficiaries should protect their Medicare number and only share it with trusted
healthcare providers. Option C is incorrect because the Medicare card is needed for all
Medicare-covered services. Option D is incorrect because laminating the card can
damage the security features and may cause providers to reject it.
Q6: A 65-year-old is eligible for premium-free Part A because they have 40 quarters of
Medicare-covered employment. What is their monthly Part A premium in 2026?
A. $311 per month
B. $565 per month
C. $0 per month [CORRECT]
D. $202.90 per month
Correct Answer: C
Rationale: Approximately 99% of Medicare beneficiaries do not pay a Part A premium
because they or their spouse have at least 40 quarters (10 years) of Medicare-covered
employment. The $311 premium (Option A) applies to those with 30-39 quarters of
coverage. The $565 premium (Option B) applies to those with fewer than 30 quarters.
$202.90 (Option D) is the 2026 standard Part B premium, not Part A.
Q7: A 64-year-old is planning to retire at age 65 and wants to understand Medicare
coverage options. Which statement best describes the difference between Original
Medicare and Medicare Advantage (Part C)?
A. Original Medicare is provided by private insurance companies, while Medicare
Advantage is run by the federal government
B. Medicare Advantage plans must cover all services that Original Medicare covers and
may offer additional benefits, but they use a network of providers and have different
cost-sharing structures [CORRECT]
