AHIP Final Exam Practice Test (2025/2026)
Module 1: Medicare Basics
Question 1
What is the primary coverage of Medicare Part A?
A) Prescription drugs
B) Hospital insurance
C) Outpatient care
D) Routine vision care
Correct ANSWER: B
Rationale: Medicare Part A covers inpatient hospital stays, skilled nursing facility care, and some home
health services.
Question 2
Who is eligible for premium-free Part A?
A) Individuals under 65 with disabilities
B) Individuals 65 or older who paid Medicare taxes for 10+ years
C) All U.S. citizens
D) Individuals with private insurance
Correct ANSWER: B
,Rationale: Eligibility for premium-free Part A requires 40 quarters (10 years) of Medicare-covered
employment.
Question 3
What does Medicare Part B cover?
A) Inpatient hospital care
B) Outpatient services and medical equipment
C) Prescription drugs
D) Long-term care
Correct ANSWER: B
Rationale: Part B covers doctor visits, preventive services, and durable medical equipment.
Question 4
What is the standard Part B premium for 2025?
A) $174.70
B) $144.60
C) $164.90
D) Varies by income
Correct ANSWER: D (with base of approximately $174.70)
Rationale: The 2025 Part B premium is income-adjusted, with a base of approximately $174.70.
Question 5
What is a key feature of Medicare Part C?
,A) Covers only hospital insurance
B) Combines Parts A, B, and often D
C) Excludes outpatient care
D) Requires private insurance
Correct ANSWER: B
Rationale: Part C (Medicare Advantage plans) offers an all-in-one alternative to Original Medicare.
Question 6
What does Medicare Part D cover?
A) Hospital stays
B) Prescription drugs
C) Routine dental care
D) Vision services
Correct ANSWER: B
Rationale: Part D provides outpatient prescription drug coverage.
Question 7
What is the Initial Enrollment Period (IEP) for Medicare?
A) 3 months
B) 6 months
C) 7 months
D) 12 months
, Correct ANSWER: C
Rationale: The IEP spans 3 months before, the month of, and 3 months after turning 65 (total of 7
months).
Question 8
What is a common cost-sharing feature of Original Medicare?
A) No deductibles
B) Annual deductibles and coinsurance
C) Fixed monthly premiums only
D) No out-of-pocket costs
Correct ANSWER: B
Rationale: Original Medicare requires annual deductibles and coinsurance for many services.
Question 9
What is the primary purpose of the Affordable Care Act (ACA)?
A) To reduce healthcare costs for hospitals
B) To eliminate insurance fraud
C) To increase access to health insurance and improve health outcomes
D) To regulate pharmaceutical prices
Correct ANSWER: C
Module 1: Medicare Basics
Question 1
What is the primary coverage of Medicare Part A?
A) Prescription drugs
B) Hospital insurance
C) Outpatient care
D) Routine vision care
Correct ANSWER: B
Rationale: Medicare Part A covers inpatient hospital stays, skilled nursing facility care, and some home
health services.
Question 2
Who is eligible for premium-free Part A?
A) Individuals under 65 with disabilities
B) Individuals 65 or older who paid Medicare taxes for 10+ years
C) All U.S. citizens
D) Individuals with private insurance
Correct ANSWER: B
,Rationale: Eligibility for premium-free Part A requires 40 quarters (10 years) of Medicare-covered
employment.
Question 3
What does Medicare Part B cover?
A) Inpatient hospital care
B) Outpatient services and medical equipment
C) Prescription drugs
D) Long-term care
Correct ANSWER: B
Rationale: Part B covers doctor visits, preventive services, and durable medical equipment.
Question 4
What is the standard Part B premium for 2025?
A) $174.70
B) $144.60
C) $164.90
D) Varies by income
Correct ANSWER: D (with base of approximately $174.70)
Rationale: The 2025 Part B premium is income-adjusted, with a base of approximately $174.70.
Question 5
What is a key feature of Medicare Part C?
,A) Covers only hospital insurance
B) Combines Parts A, B, and often D
C) Excludes outpatient care
D) Requires private insurance
Correct ANSWER: B
Rationale: Part C (Medicare Advantage plans) offers an all-in-one alternative to Original Medicare.
Question 6
What does Medicare Part D cover?
A) Hospital stays
B) Prescription drugs
C) Routine dental care
D) Vision services
Correct ANSWER: B
Rationale: Part D provides outpatient prescription drug coverage.
Question 7
What is the Initial Enrollment Period (IEP) for Medicare?
A) 3 months
B) 6 months
C) 7 months
D) 12 months
, Correct ANSWER: C
Rationale: The IEP spans 3 months before, the month of, and 3 months after turning 65 (total of 7
months).
Question 8
What is a common cost-sharing feature of Original Medicare?
A) No deductibles
B) Annual deductibles and coinsurance
C) Fixed monthly premiums only
D) No out-of-pocket costs
Correct ANSWER: B
Rationale: Original Medicare requires annual deductibles and coinsurance for many services.
Question 9
What is the primary purpose of the Affordable Care Act (ACA)?
A) To reduce healthcare costs for hospitals
B) To eliminate insurance fraud
C) To increase access to health insurance and improve health outcomes
D) To regulate pharmaceutical prices
Correct ANSWER: C
