AHIP FINAL EXAM AND PRACTICE EXAM NEWEST 2026/
2027 TEST BANK| AHIP FINAL EXAM REVIEW -
MEDICARE CERTIFICATION WITH 300 REAL EXAM
QUESTIONS AND CORRECT VERIFIED ANSWERS/
ALREADY GRADED A+ (MOST RECENT!!)
SECTION 1: MEDICARE BASICS - PARTS A, B, C & D (Questions 1-40)
Question 1: Which part of Medicare covers inpatient hospital stays, skilled nursing facility
care, hospice, and some home health services?
• A) Medicare Part B
• B) Medicare Part C
• C) Medicare Part A
• D) Medicare Part D
Correct Answer: C) Medicare Part A
Rationale: Medicare Part A specifically covers institutional and inpatient care services, including
hospital stays, skilled nursing facility care, hospice, and some home health services. Part B
covers outpatient services, Part C is Medicare Advantage, and Part D covers prescription drugs .
Question 2: What is the standard monthly premium for Medicare Part B based upon?
• A) The beneficiary's zip code
• B) The beneficiary's modified adjusted gross income (MAGI)
• C) The beneficiary's health status and pre-existing conditions
• D) The number of years the beneficiary has been retired
,Correct Answer: B) The beneficiary's modified adjusted gross income (MAGI)
Rationale: Higher-income beneficiaries pay a higher Part B premium based on their Modified
Adjusted Gross Income, known as the Income-Related Monthly Adjustment Amount (IRMAA) .
Question 3: What percentage of the Medicare-approved amount does a beneficiary typically
pay for Part B covered services after meeting their annual deductible?
• A) 10%
• B) 20%
• C) 30%
• D) 50%
Correct Answer: B) 20%
Rationale: Under Original Medicare Part B, the beneficiary is responsible for a 20% coinsurance
after the annual deductible is satisfied .
Question 4: What is another common name for Medicare Part C plans?
• A) Medicare Supplement Plans
• B) Medicare Advantage Plans
• C) Standalone Prescription Drug Plans
• D) Medicaid Wrap Plans
Correct Answer: B) Medicare Advantage Plans
Rationale: Medicare Part C is officially known as the Medicare Advantage program, which allows
private insurance companies approved by CMS to deliver Part A and Part B benefits .
Question 5: Which of the following is true regarding a beneficiary enrolled in a Medicare
Advantage plan?
• A) They lose their Medicare rights and protections.
• B) They must still pay their Medicare Part B monthly premium.
, • C) They no longer have coverage for emergency room care.
• D) They cannot be billed any copayments or deductibles.
Correct Answer: B) They must still pay their Medicare Part B monthly premium.
Rationale: To enroll and remain in a Medicare Advantage plan, a beneficiary must continue to
pay their Medicare Part B premium to the federal government, unless the plan offers a premium
reduction benefit .
Question 6: What is the primary purpose of Medicare Part D?
• A) To cover extended hospitalizations
• B) To provide optional outpatient prescription drug coverage
• C) To cover dental, vision, and hearing hardware
• D) To offer international travel medical insurance
Correct Answer: B) To provide optional outpatient prescription drug coverage
Rationale: Medicare Part D is the optional program administered by private insurance
companies to provide outpatient prescription drug insurance .
Question 7: Which type of plan is a standalone option that adds drug coverage to Original
Medicare?
• A) MA-PD
• B) PDP
• C) PPO
• D) Medigap
Correct Answer: B) PDP
Rationale: A Prescription Drug Plan (PDP) is a standalone plan that provides Part D prescription
drug coverage for beneficiaries who remain on Original Medicare .
Question 8: Which of the following best describes Medicare Part A?
, • A) It covers outpatient medical services and doctor visits.
• B) It covers inpatient hospital care, skilled nursing facility care, hospice, and some home
health services.
• C) It covers prescription drugs only.
• D) It covers vision, dental, and hearing services exclusively.
Correct Answer: B) It covers inpatient hospital care, skilled nursing facility care, hospice, and
some home health services.
Rationale: Part A covers institutional and inpatient care services. Part B covers outpatient
services, Part D covers prescriptions, and routine dental/vision/hearing are not covered under
Original Medicare .
Question 9: Who is eligible for Medicare?
• A) Anyone who purchases a private health insurance plan.
• B) People age 65 or older who are U.S. citizens or legal residents for at least 5 continuous
years.
• C) Only people who are currently employed full-time.
• D) Anyone under age 65 regardless of disability status.
Correct Answer: B) People age 65 or older who are U.S. citizens or legal residents for at least 5
continuous years.
Rationale: Medicare eligibility generally begins at age 65 for U.S. citizens or legal residents who
have lived in the U.S. for at least 5 continuous years. People under 65 may qualify if they have
certain disabilities or End-Stage Renal Disease .
Question 10: Which of the following is true about the Initial Enrollment Period (IEP) for
Medicare?
• A) It begins 6 months before the month of the beneficiary's 65th birthday and ends 6
months after.
• B) It begins 3 months before the month of the beneficiary's 65th birthday and ends 3
months after.
2027 TEST BANK| AHIP FINAL EXAM REVIEW -
MEDICARE CERTIFICATION WITH 300 REAL EXAM
QUESTIONS AND CORRECT VERIFIED ANSWERS/
ALREADY GRADED A+ (MOST RECENT!!)
SECTION 1: MEDICARE BASICS - PARTS A, B, C & D (Questions 1-40)
Question 1: Which part of Medicare covers inpatient hospital stays, skilled nursing facility
care, hospice, and some home health services?
• A) Medicare Part B
• B) Medicare Part C
• C) Medicare Part A
• D) Medicare Part D
Correct Answer: C) Medicare Part A
Rationale: Medicare Part A specifically covers institutional and inpatient care services, including
hospital stays, skilled nursing facility care, hospice, and some home health services. Part B
covers outpatient services, Part C is Medicare Advantage, and Part D covers prescription drugs .
Question 2: What is the standard monthly premium for Medicare Part B based upon?
• A) The beneficiary's zip code
• B) The beneficiary's modified adjusted gross income (MAGI)
• C) The beneficiary's health status and pre-existing conditions
• D) The number of years the beneficiary has been retired
,Correct Answer: B) The beneficiary's modified adjusted gross income (MAGI)
Rationale: Higher-income beneficiaries pay a higher Part B premium based on their Modified
Adjusted Gross Income, known as the Income-Related Monthly Adjustment Amount (IRMAA) .
Question 3: What percentage of the Medicare-approved amount does a beneficiary typically
pay for Part B covered services after meeting their annual deductible?
• A) 10%
• B) 20%
• C) 30%
• D) 50%
Correct Answer: B) 20%
Rationale: Under Original Medicare Part B, the beneficiary is responsible for a 20% coinsurance
after the annual deductible is satisfied .
Question 4: What is another common name for Medicare Part C plans?
• A) Medicare Supplement Plans
• B) Medicare Advantage Plans
• C) Standalone Prescription Drug Plans
• D) Medicaid Wrap Plans
Correct Answer: B) Medicare Advantage Plans
Rationale: Medicare Part C is officially known as the Medicare Advantage program, which allows
private insurance companies approved by CMS to deliver Part A and Part B benefits .
Question 5: Which of the following is true regarding a beneficiary enrolled in a Medicare
Advantage plan?
• A) They lose their Medicare rights and protections.
• B) They must still pay their Medicare Part B monthly premium.
, • C) They no longer have coverage for emergency room care.
• D) They cannot be billed any copayments or deductibles.
Correct Answer: B) They must still pay their Medicare Part B monthly premium.
Rationale: To enroll and remain in a Medicare Advantage plan, a beneficiary must continue to
pay their Medicare Part B premium to the federal government, unless the plan offers a premium
reduction benefit .
Question 6: What is the primary purpose of Medicare Part D?
• A) To cover extended hospitalizations
• B) To provide optional outpatient prescription drug coverage
• C) To cover dental, vision, and hearing hardware
• D) To offer international travel medical insurance
Correct Answer: B) To provide optional outpatient prescription drug coverage
Rationale: Medicare Part D is the optional program administered by private insurance
companies to provide outpatient prescription drug insurance .
Question 7: Which type of plan is a standalone option that adds drug coverage to Original
Medicare?
• A) MA-PD
• B) PDP
• C) PPO
• D) Medigap
Correct Answer: B) PDP
Rationale: A Prescription Drug Plan (PDP) is a standalone plan that provides Part D prescription
drug coverage for beneficiaries who remain on Original Medicare .
Question 8: Which of the following best describes Medicare Part A?
, • A) It covers outpatient medical services and doctor visits.
• B) It covers inpatient hospital care, skilled nursing facility care, hospice, and some home
health services.
• C) It covers prescription drugs only.
• D) It covers vision, dental, and hearing services exclusively.
Correct Answer: B) It covers inpatient hospital care, skilled nursing facility care, hospice, and
some home health services.
Rationale: Part A covers institutional and inpatient care services. Part B covers outpatient
services, Part D covers prescriptions, and routine dental/vision/hearing are not covered under
Original Medicare .
Question 9: Who is eligible for Medicare?
• A) Anyone who purchases a private health insurance plan.
• B) People age 65 or older who are U.S. citizens or legal residents for at least 5 continuous
years.
• C) Only people who are currently employed full-time.
• D) Anyone under age 65 regardless of disability status.
Correct Answer: B) People age 65 or older who are U.S. citizens or legal residents for at least 5
continuous years.
Rationale: Medicare eligibility generally begins at age 65 for U.S. citizens or legal residents who
have lived in the U.S. for at least 5 continuous years. People under 65 may qualify if they have
certain disabilities or End-Stage Renal Disease .
Question 10: Which of the following is true about the Initial Enrollment Period (IEP) for
Medicare?
• A) It begins 6 months before the month of the beneficiary's 65th birthday and ends 6
months after.
• B) It begins 3 months before the month of the beneficiary's 65th birthday and ends 3
months after.
