AHIP 2025 Final Exam Updated: Questions and
Verified Answers – 100% Guaranteed Pass |
Complete A+ Guide
Question 1
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social
Security Administration and has been receiving disability payments. He is wondering whether
he can obtain coverage under Medicare. What should you tell him?
A) He is not eligible for Medicare because he is under age 65
B) He will be automatically enrolled in Medicare after receiving disability payments for 24
months
C) He can enroll in Medicare immediately
D) He must wait until age 65
Correct Answer: B
Rationale: Individuals under age 65 who receive Social Security disability benefits are
automatically enrolled in Medicare after receiving disability payments for 24 months, regardless
of age.
Question 2
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal disease (ESRD)
and will soon begin dialysis. He is wondering if he can obtain coverage under Medicare. What
should you tell him?
A) He is not eligible for Medicare because he is under age 65
B) He may sign up for Medicare at any time; coverage usually begins on the fourth month after
dialysis treatments start
C) He must wait until age 65
D) He can only enroll during the General Enrollment Period
Correct Answer: B
Rationale: Individuals with ESRD may sign up for Medicare at any time. However, coverage
usually begins on the fourth month after dialysis treatments start.
,Question 3
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and
paid taxes during that entire period. She is concerned that she will have to pay a premium for
Part A. What should you tell her?
A) She must pay a monthly premium for Part A
B) She will be eligible for premium-free Part A because she paid Medicare taxes for at least 40
quarters
C) She must wait until age 66 for premium-free Part A
D) She is only eligible for Part B
Correct Answer: B
Rationale: Individuals who have worked and paid Medicare taxes for at least 40 quarters (10
years) are eligible for premium-free Part A. Since Mrs. Chen has been employed for 12 years (48
quarters), she qualifies for premium-free Part A.
Question 4
Ms. Henderson believes that she will qualify for Medicare coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes.
What should you tell her?
A) She is correct; Part A will be premium-free
B) She must pay a monthly premium for both Part A and Part B
C) She must pay a standard monthly premium for Part B
D) She cannot enroll in Medicare
Correct Answer: C
Rationale: To obtain Part B coverage, she must pay a standard monthly premium. While Part A is
premium-free with 40+ quarters of work, Part B always requires a premium, though it is higher
for individuals with higher incomes due to IRMAA.
Question 5
Madeline Martinez was widowed several years ago. Her husband worked for many years and
contributed into the Medicare system. He also left a substantial estate which provides Madeline
with an annual income of approximately $130,000. Madeline, who has only worked part-time
for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. What
should you tell her?
,A) She will not be eligible for Part A because she did not work long enough
B) She will be able to enroll in Medicare Part A without paying monthly premiums due to her
husband's long work record
C) She must pay the full Part A premium
D) She cannot enroll until she turns 67
Correct Answer: B
Rationale: Widowed individuals may qualify for premium-free Part A based on their deceased
spouse's work record. However, because her income is substantial ($130,000), she will pay Part
B premiums at more than the standard lowest rate due to IRMAA (Income-Related Monthly
Adjustment Amount).
Question 6
Edward IP suffered from serious kidney disease. As a result, Edward became eligible for
Medicare coverage due to end-stage renal disease (ESRD). A close relative donated their kidney
and Edward successfully underwent transplant surgery 12 months ago. Edward is now age 50
and asks you if his Medicare coverage will continue. What should you say?
A) His Medicare coverage will continue indefinitely
B) Individuals eligible for Medicare based on ESRD generally lose eligibility 36 months after the
month of transplant, unless eligible on another basis
C) His coverage ends 12 months after transplant
D) His coverage ends immediately after transplant
Correct Answer: B
Rationale: Individuals eligible for Medicare based on ESRD generally lose eligibility 36 months
after the month in which they receive a kidney transplant unless they are eligible for Medicare
on another basis such as age or disability. Edward may remain enrolled in Part B solely for
coverage of immunosuppressive drugs if he has no other healthcare coverage.
Question 7
Mr. Diaz continued working with his company and was insured under his employer's group plan
until he reached age 68. He has heard that there is a premium penalty for those who did not
sign up for Part B when first eligible and wants to know how much he will have to pay. What
should you tell him?
, A) He will pay a 10% penalty for each year he delayed enrollment
B) He will not pay any penalty because he had continuous coverage under his employer's plan
C) He must pay a 20% penalty
D) He cannot enroll in Part B now
Correct Answer: B
Rationale: Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan. The Part B late enrollment penalty applies only to those who did not have
creditable coverage during the period they delayed enrollment.
Question 8
Mrs. Peña is 66 years old, has coverage under an employer plan, and will retire next year. She
heard she must enroll in Part B at the beginning of the year to ensure no gap in coverage. What
can you tell her?
A) She must enroll during the General Enrollment Period
B) She may enroll at any time while covered under her employer plan, and will have a special
eight-month enrollment period after the last month on her employer plan
C) She must enroll before age 67
D) She cannot enroll in Part B while working
Correct Answer: B
Rationale: She may enroll at any time while she is covered under her employer plan, but she
will have a Special Enrollment Period (SEP) of eight months after the last month on her
employer plan, during which she may enroll in Medicare Part B.
Question 9
Anthony Boniface turned 65 in 2023. He was not receiving Social Security or Railroad
Retirement Benefits on his 65th birthday. He was interested in obtaining Medicare coverage and
is eligible for premium-free Part A. Before he could enroll in Medicare, his entire area was
impacted by a hurricane causing massive flooding and severe wind damage. The Federal
government declared this to be a natural disaster which has recently ended. During this period
Anthony's initial enrollment period expired. Anthony asks you how he can now obtain Medicare
coverage. What should you say?
A) Anthony must wait until the General Enrollment Period
B) Anthony is eligible for a Special Enrollment Period (SEP) because he missed an enrollment
Verified Answers – 100% Guaranteed Pass |
Complete A+ Guide
Question 1
Mr. Bauer is 49 years old, but eighteen months ago he was declared disabled by the Social
Security Administration and has been receiving disability payments. He is wondering whether
he can obtain coverage under Medicare. What should you tell him?
A) He is not eligible for Medicare because he is under age 65
B) He will be automatically enrolled in Medicare after receiving disability payments for 24
months
C) He can enroll in Medicare immediately
D) He must wait until age 65
Correct Answer: B
Rationale: Individuals under age 65 who receive Social Security disability benefits are
automatically enrolled in Medicare after receiving disability payments for 24 months, regardless
of age.
Question 2
Mr. Davis is 52 years old and has recently been diagnosed with end-stage renal disease (ESRD)
and will soon begin dialysis. He is wondering if he can obtain coverage under Medicare. What
should you tell him?
A) He is not eligible for Medicare because he is under age 65
B) He may sign up for Medicare at any time; coverage usually begins on the fourth month after
dialysis treatments start
C) He must wait until age 65
D) He can only enroll during the General Enrollment Period
Correct Answer: B
Rationale: Individuals with ESRD may sign up for Medicare at any time. However, coverage
usually begins on the fourth month after dialysis treatments start.
,Question 3
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and
paid taxes during that entire period. She is concerned that she will have to pay a premium for
Part A. What should you tell her?
A) She must pay a monthly premium for Part A
B) She will be eligible for premium-free Part A because she paid Medicare taxes for at least 40
quarters
C) She must wait until age 66 for premium-free Part A
D) She is only eligible for Part B
Correct Answer: B
Rationale: Individuals who have worked and paid Medicare taxes for at least 40 quarters (10
years) are eligible for premium-free Part A. Since Mrs. Chen has been employed for 12 years (48
quarters), she qualifies for premium-free Part A.
Question 4
Ms. Henderson believes that she will qualify for Medicare coverage when she turns 65, without
paying any premiums, because she has been working for 40 years and paying Medicare taxes.
What should you tell her?
A) She is correct; Part A will be premium-free
B) She must pay a monthly premium for both Part A and Part B
C) She must pay a standard monthly premium for Part B
D) She cannot enroll in Medicare
Correct Answer: C
Rationale: To obtain Part B coverage, she must pay a standard monthly premium. While Part A is
premium-free with 40+ quarters of work, Part B always requires a premium, though it is higher
for individuals with higher incomes due to IRMAA.
Question 5
Madeline Martinez was widowed several years ago. Her husband worked for many years and
contributed into the Medicare system. He also left a substantial estate which provides Madeline
with an annual income of approximately $130,000. Madeline, who has only worked part-time
for the last three years, will soon turn age 65 and hopes to enroll in Original Medicare. What
should you tell her?
,A) She will not be eligible for Part A because she did not work long enough
B) She will be able to enroll in Medicare Part A without paying monthly premiums due to her
husband's long work record
C) She must pay the full Part A premium
D) She cannot enroll until she turns 67
Correct Answer: B
Rationale: Widowed individuals may qualify for premium-free Part A based on their deceased
spouse's work record. However, because her income is substantial ($130,000), she will pay Part
B premiums at more than the standard lowest rate due to IRMAA (Income-Related Monthly
Adjustment Amount).
Question 6
Edward IP suffered from serious kidney disease. As a result, Edward became eligible for
Medicare coverage due to end-stage renal disease (ESRD). A close relative donated their kidney
and Edward successfully underwent transplant surgery 12 months ago. Edward is now age 50
and asks you if his Medicare coverage will continue. What should you say?
A) His Medicare coverage will continue indefinitely
B) Individuals eligible for Medicare based on ESRD generally lose eligibility 36 months after the
month of transplant, unless eligible on another basis
C) His coverage ends 12 months after transplant
D) His coverage ends immediately after transplant
Correct Answer: B
Rationale: Individuals eligible for Medicare based on ESRD generally lose eligibility 36 months
after the month in which they receive a kidney transplant unless they are eligible for Medicare
on another basis such as age or disability. Edward may remain enrolled in Part B solely for
coverage of immunosuppressive drugs if he has no other healthcare coverage.
Question 7
Mr. Diaz continued working with his company and was insured under his employer's group plan
until he reached age 68. He has heard that there is a premium penalty for those who did not
sign up for Part B when first eligible and wants to know how much he will have to pay. What
should you tell him?
, A) He will pay a 10% penalty for each year he delayed enrollment
B) He will not pay any penalty because he had continuous coverage under his employer's plan
C) He must pay a 20% penalty
D) He cannot enroll in Part B now
Correct Answer: B
Rationale: Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer's plan. The Part B late enrollment penalty applies only to those who did not have
creditable coverage during the period they delayed enrollment.
Question 8
Mrs. Peña is 66 years old, has coverage under an employer plan, and will retire next year. She
heard she must enroll in Part B at the beginning of the year to ensure no gap in coverage. What
can you tell her?
A) She must enroll during the General Enrollment Period
B) She may enroll at any time while covered under her employer plan, and will have a special
eight-month enrollment period after the last month on her employer plan
C) She must enroll before age 67
D) She cannot enroll in Part B while working
Correct Answer: B
Rationale: She may enroll at any time while she is covered under her employer plan, but she
will have a Special Enrollment Period (SEP) of eight months after the last month on her
employer plan, during which she may enroll in Medicare Part B.
Question 9
Anthony Boniface turned 65 in 2023. He was not receiving Social Security or Railroad
Retirement Benefits on his 65th birthday. He was interested in obtaining Medicare coverage and
is eligible for premium-free Part A. Before he could enroll in Medicare, his entire area was
impacted by a hurricane causing massive flooding and severe wind damage. The Federal
government declared this to be a natural disaster which has recently ended. During this period
Anthony's initial enrollment period expired. Anthony asks you how he can now obtain Medicare
coverage. What should you say?
A) Anthony must wait until the General Enrollment Period
B) Anthony is eligible for a Special Enrollment Period (SEP) because he missed an enrollment
