AHIP MEDICARE TRAINING FINAL EXAM PRACTICE
EXAMINATION 2026–2027 — STUDY GUIDE | LATEST
UPDATE 2026/2027 | PRACTICE QUESTIONS AND
ANSWERS | EXAM REVIEW | 100% CORRECT
ANSWERS | VERIFIED SOLUTIONS | ALREADY
GRADED A+
1. Which of the following individuals is generally eligible for Medicare Part A at
no premium?
A) A 55-year-old with a disability
B) A 65-year-old who has earned 40 quarters of Medicare-covered
employment
C) A 62-year-old retiree
D) Any U.S. citizen over 50
Correct Answer: B
Individuals age 65 or older who have earned at least 40 quarters (10 years) of
Medicare-covered employment are entitled to premium-free Part A. Those under
65 may qualify if they have received Social Security Disability benefits for 24
months, but 55 with disability alone is not automatic. 62-year-olds are not
Medicare-eligible unless qualifying by disability or ESRD.
2. What is the Initial Enrollment Period (IEP) for Medicare?
A) The 6 months after losing employer coverage
B) The 7-month period beginning 3 months before the month of age 65,
including the birth month and 3 months after
C) The first 12 months after retirement
D) January 1 through March 31 each year
Correct Answer: B
The IEP is a 7-month period that begins 3 months before the month an individual
,turns 65, includes the birth month, and ends 3 months after. Late enrollment
penalties may apply if not enrolled during this period unless other credible
coverage exists.
3. Which of the following is covered under Medicare Part B?
A) Inpatient hospital stays
B) Skilled nursing facility care after a qualifying hospital stay
C) Physician services and outpatient care
D) Custodial long-term care
Correct Answer: C
Medicare Part B covers physician services, outpatient care, preventive services,
and durable medical equipment. Part A covers inpatient hospital stays and skilled
nursing facility care. Custodial long-term care is not covered by Medicare.
4. A Medicare beneficiary enrolls in a Medicare Advantage (MA) plan. Which
statement is true?
A) The beneficiary loses Original Medicare and cannot return
B) The MA plan replaces Original Medicare as the primary coverage, and the
plan must provide all Part A and Part B benefits
C) The MA plan only covers prescription drugs
D) The beneficiary cannot use any network providers
Correct Answer: B
Medicare Advantage plans (Part C) replace Original Medicare as the primary
coverage and must provide all Part A and Part B benefits except hospice care.
Beneficiaries can return to Original Medicare during certain enrollment periods.
MA plans may also include drug coverage (MA-PD) and often use networks.
5. When can a beneficiary enroll in or switch to a Medicare Advantage plan
during the Annual Election Period (AEP)?
A) April 1 through June 30
B) January 1 through March 31
C) October 15 through December 7
D) Anytime during the year
, Correct Answer: C
The AEP runs from October 15 to December 7 each year, with coverage effective
January 1. The Medicare Advantage Open Enrollment Period (MA OEP) is January
1–March 31, but only allows certain changes for those already in MA plans.
6. Which of the following is a prohibited marketing practice for Medicare
Advantage and Part D plans?
A) Providing a summary of benefits
B) Offering gifts or prizes with a value exceeding $15
C) Mailing educational materials
D) Holding a sales presentation at a public library
Correct Answer: B
CMS prohibits offering gifts or prizes exceeding $15 or offering other inducements
to enroll. Providing benefits information, mailing materials, and conducting public
sales events are permitted if compliant.
7. What is the late enrollment penalty for Medicare Part D?
A) 1% of the national base premium for every month without creditable
coverage
B) 10% of the premium for every year
C) A one-time $500 fine
D) No penalty if enrolled in Part A
Correct Answer: A
The Part D late enrollment penalty is 1% of the national base beneficiary premium
per month without creditable drug coverage, added to the monthly premium for
as long as the beneficiary has Part D. It is not a one-time fine and Part A
enrollment does not exempt.
8. A beneficiary has End-Stage Renal Disease (ESRD). Which statement is true
regarding Medicare Advantage enrollment?
A) Beneficiaries with ESRD may enroll in any MA plan at any time
B) Beneficiaries with ESRD generally cannot enroll in most MA plans unless
they meet specific exceptions
EXAMINATION 2026–2027 — STUDY GUIDE | LATEST
UPDATE 2026/2027 | PRACTICE QUESTIONS AND
ANSWERS | EXAM REVIEW | 100% CORRECT
ANSWERS | VERIFIED SOLUTIONS | ALREADY
GRADED A+
1. Which of the following individuals is generally eligible for Medicare Part A at
no premium?
A) A 55-year-old with a disability
B) A 65-year-old who has earned 40 quarters of Medicare-covered
employment
C) A 62-year-old retiree
D) Any U.S. citizen over 50
Correct Answer: B
Individuals age 65 or older who have earned at least 40 quarters (10 years) of
Medicare-covered employment are entitled to premium-free Part A. Those under
65 may qualify if they have received Social Security Disability benefits for 24
months, but 55 with disability alone is not automatic. 62-year-olds are not
Medicare-eligible unless qualifying by disability or ESRD.
2. What is the Initial Enrollment Period (IEP) for Medicare?
A) The 6 months after losing employer coverage
B) The 7-month period beginning 3 months before the month of age 65,
including the birth month and 3 months after
C) The first 12 months after retirement
D) January 1 through March 31 each year
Correct Answer: B
The IEP is a 7-month period that begins 3 months before the month an individual
,turns 65, includes the birth month, and ends 3 months after. Late enrollment
penalties may apply if not enrolled during this period unless other credible
coverage exists.
3. Which of the following is covered under Medicare Part B?
A) Inpatient hospital stays
B) Skilled nursing facility care after a qualifying hospital stay
C) Physician services and outpatient care
D) Custodial long-term care
Correct Answer: C
Medicare Part B covers physician services, outpatient care, preventive services,
and durable medical equipment. Part A covers inpatient hospital stays and skilled
nursing facility care. Custodial long-term care is not covered by Medicare.
4. A Medicare beneficiary enrolls in a Medicare Advantage (MA) plan. Which
statement is true?
A) The beneficiary loses Original Medicare and cannot return
B) The MA plan replaces Original Medicare as the primary coverage, and the
plan must provide all Part A and Part B benefits
C) The MA plan only covers prescription drugs
D) The beneficiary cannot use any network providers
Correct Answer: B
Medicare Advantage plans (Part C) replace Original Medicare as the primary
coverage and must provide all Part A and Part B benefits except hospice care.
Beneficiaries can return to Original Medicare during certain enrollment periods.
MA plans may also include drug coverage (MA-PD) and often use networks.
5. When can a beneficiary enroll in or switch to a Medicare Advantage plan
during the Annual Election Period (AEP)?
A) April 1 through June 30
B) January 1 through March 31
C) October 15 through December 7
D) Anytime during the year
, Correct Answer: C
The AEP runs from October 15 to December 7 each year, with coverage effective
January 1. The Medicare Advantage Open Enrollment Period (MA OEP) is January
1–March 31, but only allows certain changes for those already in MA plans.
6. Which of the following is a prohibited marketing practice for Medicare
Advantage and Part D plans?
A) Providing a summary of benefits
B) Offering gifts or prizes with a value exceeding $15
C) Mailing educational materials
D) Holding a sales presentation at a public library
Correct Answer: B
CMS prohibits offering gifts or prizes exceeding $15 or offering other inducements
to enroll. Providing benefits information, mailing materials, and conducting public
sales events are permitted if compliant.
7. What is the late enrollment penalty for Medicare Part D?
A) 1% of the national base premium for every month without creditable
coverage
B) 10% of the premium for every year
C) A one-time $500 fine
D) No penalty if enrolled in Part A
Correct Answer: A
The Part D late enrollment penalty is 1% of the national base beneficiary premium
per month without creditable drug coverage, added to the monthly premium for
as long as the beneficiary has Part D. It is not a one-time fine and Part A
enrollment does not exempt.
8. A beneficiary has End-Stage Renal Disease (ESRD). Which statement is true
regarding Medicare Advantage enrollment?
A) Beneficiaries with ESRD may enroll in any MA plan at any time
B) Beneficiaries with ESRD generally cannot enroll in most MA plans unless
they meet specific exceptions
