AHIP 2026/2027 Final Exam Updated: Questions and Verified
Answers – 100% Guaranteed Pass | Complete A+ Guide
1. A beneficiary turns 65 on June 15, 2026. When is their Initial
Enrollment Period (IEP)?
• A) March 1 – September 30, 2026
• B) April 1 – September 30, 2026
• C) March 1 – June 30, 2026
• D) June 1 – December 31, 2026
• Answer: A
• Rationale: IEP begins 3 months before birthday month
(March), includes birthday month (June), and ends 3
months after (September). Total 7 months: March 1 –
September 30.
Question 2
2. Which statement about Part A premium-free eligibility is
correct?
• A) All beneficiaries aged 65+ automatically get premium-
free Part A.
• B) 40 quarters of Medicare-covered employment are
required.
• C) 30 quarters of employment plus spouse’s 10 quarters.
, • D) ESRD patients never pay Part A premium.
• Answer: B
• Rationale: 40 quarters (10 years) of work history required
for premium-free Part A. Option A false; Option C
insufficient; Option D false – ESRD patients may pay if
lacking work credits.
Question 3
3. (Scenario) Mrs. Lee, age 68, has Part A only. She wants Part
B. When can she enroll?
• A) Only during AEP (Oct 15 – Dec 7).
• B) Any time with penalty.
• C) General Enrollment Period (Jan 1 – Mar 31) with
possible penalty.
• D) She cannot enroll after age 65.
• Answer: C
• Rationale: GEP is Jan 1 – Mar 31 for those who missed IEP.
Part B late penalty applies (10% per 12-month period
without coverage).
Question 4
4. What is the Part B late enrollment penalty for 2026?
• A) 5% per year without coverage, added permanently.
, • B) 10% per 12-month period without coverage, added
permanently.
• C) 15% one-time fee.
• D) No penalty if enrolling during GEP.
• Answer: B
• Rationale: 10% per full 12-month period eligible but not
enrolled, added to monthly premium for life.
Question 5
5. Which of the following trigger a Special Enrollment Period
(SEP) for Part B? (Select 3)
• A) Moving to a new state.
• B) Losing employer group health coverage.
• C) Becoming eligible for Medicaid.
• D) Turning 65.
• E) Voluntarily dropping employer coverage.
• Answers: A, B, C
• Rationale: A – move SEP (2 months after move). B – loss of
employer coverage SEP (6 months). C – Medicaid SEP (any
time). D – IEP, not SEP. E – voluntary drop without loss of
other coverage does not qualify.
Question 6 What is another name for Medicare Part C?
, • A) Medicare Supplement Insurance
• B) Medicare Advantage
• C) Original Medicare
• D) Prescription Drug Plan
• Answer: B) Medicare Advantage
• Rationale: Medicare Advantage plans are offered by
private insurance companies approved by Medicare and
bundle Part A, Part B, and usually Part D into a single plan.
Question 7 Which of the following services is generally NOT
covered by Original Medicare (Parts A and B)?
• A) Inpatient hospital care
• B) Routine dental care and dentures
• C) Doctor visits
• D) Lab tests and X-rays
• Answer: B) Routine dental care and dentures
• Rationale: Original Medicare explicitly excludes routine
dental care, dentures, routine vision exams, and
eyeglasses.
Question 8 When is the Annual Election Period (AEP) / Open
Enrollment Period for Medicare Advantage and Part D plans
each year?
Answers – 100% Guaranteed Pass | Complete A+ Guide
1. A beneficiary turns 65 on June 15, 2026. When is their Initial
Enrollment Period (IEP)?
• A) March 1 – September 30, 2026
• B) April 1 – September 30, 2026
• C) March 1 – June 30, 2026
• D) June 1 – December 31, 2026
• Answer: A
• Rationale: IEP begins 3 months before birthday month
(March), includes birthday month (June), and ends 3
months after (September). Total 7 months: March 1 –
September 30.
Question 2
2. Which statement about Part A premium-free eligibility is
correct?
• A) All beneficiaries aged 65+ automatically get premium-
free Part A.
• B) 40 quarters of Medicare-covered employment are
required.
• C) 30 quarters of employment plus spouse’s 10 quarters.
, • D) ESRD patients never pay Part A premium.
• Answer: B
• Rationale: 40 quarters (10 years) of work history required
for premium-free Part A. Option A false; Option C
insufficient; Option D false – ESRD patients may pay if
lacking work credits.
Question 3
3. (Scenario) Mrs. Lee, age 68, has Part A only. She wants Part
B. When can she enroll?
• A) Only during AEP (Oct 15 – Dec 7).
• B) Any time with penalty.
• C) General Enrollment Period (Jan 1 – Mar 31) with
possible penalty.
• D) She cannot enroll after age 65.
• Answer: C
• Rationale: GEP is Jan 1 – Mar 31 for those who missed IEP.
Part B late penalty applies (10% per 12-month period
without coverage).
Question 4
4. What is the Part B late enrollment penalty for 2026?
• A) 5% per year without coverage, added permanently.
, • B) 10% per 12-month period without coverage, added
permanently.
• C) 15% one-time fee.
• D) No penalty if enrolling during GEP.
• Answer: B
• Rationale: 10% per full 12-month period eligible but not
enrolled, added to monthly premium for life.
Question 5
5. Which of the following trigger a Special Enrollment Period
(SEP) for Part B? (Select 3)
• A) Moving to a new state.
• B) Losing employer group health coverage.
• C) Becoming eligible for Medicaid.
• D) Turning 65.
• E) Voluntarily dropping employer coverage.
• Answers: A, B, C
• Rationale: A – move SEP (2 months after move). B – loss of
employer coverage SEP (6 months). C – Medicaid SEP (any
time). D – IEP, not SEP. E – voluntary drop without loss of
other coverage does not qualify.
Question 6 What is another name for Medicare Part C?
, • A) Medicare Supplement Insurance
• B) Medicare Advantage
• C) Original Medicare
• D) Prescription Drug Plan
• Answer: B) Medicare Advantage
• Rationale: Medicare Advantage plans are offered by
private insurance companies approved by Medicare and
bundle Part A, Part B, and usually Part D into a single plan.
Question 7 Which of the following services is generally NOT
covered by Original Medicare (Parts A and B)?
• A) Inpatient hospital care
• B) Routine dental care and dentures
• C) Doctor visits
• D) Lab tests and X-rays
• Answer: B) Routine dental care and dentures
• Rationale: Original Medicare explicitly excludes routine
dental care, dentures, routine vision exams, and
eyeglasses.
Question 8 When is the Annual Election Period (AEP) / Open
Enrollment Period for Medicare Advantage and Part D plans
each year?
