, AHIP - 2026 - MODULES 1-5 WITH
CORRECT ANSWERS GRADED A+
FOR 2026 ASSURED EXCEL!!
SECTION 1: MEDICARE BASICS
1. Can a beneficiary enroll in both Medicare Advantage and Medigap?
✔ Answer: No
Rationale:
Medigap only works with Original Medicare (Parts A & B). It cannot be used with Medicare
Advantage.
2. What happens if someone delays Part D without creditable coverage?
✔ Answer: Permanent late enrollment penalty
Rationale:
Penalty = 1% of national base premium for each month without creditable coverage.
3. What does Original Medicare cover?
✔ Answer:
• Part A: Hospital, SNF, hospice, home health
• Part B: Doctor services, outpatient care, preventive services
Rationale:
This is the core structure of Original Medicare.
CORRECT ANSWERS GRADED A+
FOR 2026 ASSURED EXCEL!!
SECTION 1: MEDICARE BASICS
1. Can a beneficiary enroll in both Medicare Advantage and Medigap?
✔ Answer: No
Rationale:
Medigap only works with Original Medicare (Parts A & B). It cannot be used with Medicare
Advantage.
2. What happens if someone delays Part D without creditable coverage?
✔ Answer: Permanent late enrollment penalty
Rationale:
Penalty = 1% of national base premium for each month without creditable coverage.
3. What does Original Medicare cover?
✔ Answer:
• Part A: Hospital, SNF, hospice, home health
• Part B: Doctor services, outpatient care, preventive services
Rationale:
This is the core structure of Original Medicare.
