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AHIP FINAL EXAM TEST BANK
With Verified Answers Medicare Advantage
& Part D Practice Questions with solutions
2026-27 Updated
115 100% 7 AHIP
Questions Answers Verified Topic Sections Exam Ready
01 Medicare Eligibility & Basic Coverage
Question 1 Medicare Eligibility
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?
CORRECT ANSWER
He may sign up for Medicare at any time; however, coverage usually begins on the fourth month
after dialysis treatments start.
Question 2 Medicare at 65
Juan Perez, turning age 65 next month, intends to work for several more years at Smallcap, Inc. (15
employees). He asks if he will be entitled to Medicare and how enrolling would impact his employer-
sponsored coverage.
CORRECT ANSWER
Juan is likely eligible for Medicare once he turns age 65. If he enrolls, Medicare would become
the primary payor of his healthcare claims and Smallcap does not have to continue to offer him
coverage comparable to those under age 65 under its employer-sponsored group health plan.
Question 3 Medigap / Supplemental
Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what coverage Medicare
Supplemental Insurance provides. What could you tell Mr. Moy?
AHIP Final Exam Test Bank | Medicare Advantage & Part D | Educational Use Only | Page 1
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CORRECT ANSWER
Medicare Supplemental Insurance would help cover his Part A and Part B deductibles or
coinsurance in Original Fee-for-Service (FFS) Medicare, as well as possibly some services that
Medicare does not cover.
Question 4 Part B Enrollment
Mrs. Pena is 66 years old, has employer plan coverage, and will retire next year. She heard she must
enroll in Part B at the beginning of the year. What can you tell her?
CORRECT ANSWER
She may enroll at any time while covered under her employer plan, but she will have a special
eight-month enrollment period after the last month on her employer plan, during which she may
enroll in Medicare Part B.
Question 5 Part A Eligibility
Mrs. Chen will be 65 soon, has been a citizen for twelve years, employed full time, and paid taxes. She
worries she won't qualify for Part A because she was not born in the U.S. What should you tell her?
CORRECT ANSWER
Most individuals who are citizens and age 65 or over are covered under Part A by virtue of
having paid Medicare taxes while working, though some may be covered as a result of paying
monthly premiums.
Question 6 Medigap and Drug
Coverage
Mrs. Gonzalez has Original Medicare and a Medigap policy with no drug coverage. She wants to
replace her Medigap plan with one that provides drug coverage. What should you tell her?
CORRECT ANSWER
Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her
Medigap policy and enroll in a Part D prescription drug plan.
Question 7 Medicare Non-Coverage
Mrs. West wears glasses and dentures and uses massage therapy for arthritis. She is concerned about
whether Medicare will cover these items. What should you tell her?
CORRECT ANSWER
AHIP Final Exam Test Bank | Medicare Advantage & Part D | Educational Use Only | Page 2
, 3
Medicare does not cover massage therapy, or, in general, glasses or dentures.
Question 8 Hospital Cost-Sharing
Mr. Patel wants to understand health care costs under Original Medicare for inpatient hospital services.
What could you tell him?
CORRECT ANSWER
Under Original Medicare, there is a single deductible amount due for the first 60 days of any
inpatient hospital stay, after which it converts into a per-day coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 lifetime reserve days, after which he
would be responsible for all costs.
Question 9 Part B Premium
Ms. Henderson believes she will qualify for Medicare Coverage at 65 without paying premiums because
she has worked 40 years and paid Medicare taxes. What should you tell her?
CORRECT ANSWER
To obtain Part B coverage, she must pay a standard monthly premium, though it is higher for
individuals with higher incomes.
Question 10 Part D Costs
Mr. Alonso wants to know what costs he would generally expect when enrolling in a standard Medicare
Part D prescription drug plan. What should you tell him?
CORRECT ANSWER
He generally would pay a monthly premium, annual deductible, and per-prescription cost-
sharing.
Question 11 Medicare Eligibility
(Income)
Ms. Moore plans to retire at 65 and is concerned her considerable income will make it impossible for
her to qualify for Medicare. What could you tell her?
CORRECT ANSWER
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease, so she will be eligible for
Medicare regardless of income.
AHIP Final Exam Test Bank | Medicare Advantage & Part D | Educational Use Only | Page 3
AHIP FINAL EXAM TEST BANK
With Verified Answers Medicare Advantage
& Part D Practice Questions with solutions
2026-27 Updated
115 100% 7 AHIP
Questions Answers Verified Topic Sections Exam Ready
01 Medicare Eligibility & Basic Coverage
Question 1 Medicare Eligibility
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?
CORRECT ANSWER
He may sign up for Medicare at any time; however, coverage usually begins on the fourth month
after dialysis treatments start.
Question 2 Medicare at 65
Juan Perez, turning age 65 next month, intends to work for several more years at Smallcap, Inc. (15
employees). He asks if he will be entitled to Medicare and how enrolling would impact his employer-
sponsored coverage.
CORRECT ANSWER
Juan is likely eligible for Medicare once he turns age 65. If he enrolls, Medicare would become
the primary payor of his healthcare claims and Smallcap does not have to continue to offer him
coverage comparable to those under age 65 under its employer-sponsored group health plan.
Question 3 Medigap / Supplemental
Mr. Moy's wife has a Medicare Advantage plan, but he wants to understand what coverage Medicare
Supplemental Insurance provides. What could you tell Mr. Moy?
AHIP Final Exam Test Bank | Medicare Advantage & Part D | Educational Use Only | Page 1
,2
CORRECT ANSWER
Medicare Supplemental Insurance would help cover his Part A and Part B deductibles or
coinsurance in Original Fee-for-Service (FFS) Medicare, as well as possibly some services that
Medicare does not cover.
Question 4 Part B Enrollment
Mrs. Pena is 66 years old, has employer plan coverage, and will retire next year. She heard she must
enroll in Part B at the beginning of the year. What can you tell her?
CORRECT ANSWER
She may enroll at any time while covered under her employer plan, but she will have a special
eight-month enrollment period after the last month on her employer plan, during which she may
enroll in Medicare Part B.
Question 5 Part A Eligibility
Mrs. Chen will be 65 soon, has been a citizen for twelve years, employed full time, and paid taxes. She
worries she won't qualify for Part A because she was not born in the U.S. What should you tell her?
CORRECT ANSWER
Most individuals who are citizens and age 65 or over are covered under Part A by virtue of
having paid Medicare taxes while working, though some may be covered as a result of paying
monthly premiums.
Question 6 Medigap and Drug
Coverage
Mrs. Gonzalez has Original Medicare and a Medigap policy with no drug coverage. She wants to
replace her Medigap plan with one that provides drug coverage. What should you tell her?
CORRECT ANSWER
Mrs. Gonzalez cannot purchase a Medigap plan that covers drugs, but she could keep her
Medigap policy and enroll in a Part D prescription drug plan.
Question 7 Medicare Non-Coverage
Mrs. West wears glasses and dentures and uses massage therapy for arthritis. She is concerned about
whether Medicare will cover these items. What should you tell her?
CORRECT ANSWER
AHIP Final Exam Test Bank | Medicare Advantage & Part D | Educational Use Only | Page 2
, 3
Medicare does not cover massage therapy, or, in general, glasses or dentures.
Question 8 Hospital Cost-Sharing
Mr. Patel wants to understand health care costs under Original Medicare for inpatient hospital services.
What could you tell him?
CORRECT ANSWER
Under Original Medicare, there is a single deductible amount due for the first 60 days of any
inpatient hospital stay, after which it converts into a per-day coinsurance amount through day
90. After day 90, he would pay a daily amount up to 60 lifetime reserve days, after which he
would be responsible for all costs.
Question 9 Part B Premium
Ms. Henderson believes she will qualify for Medicare Coverage at 65 without paying premiums because
she has worked 40 years and paid Medicare taxes. What should you tell her?
CORRECT ANSWER
To obtain Part B coverage, she must pay a standard monthly premium, though it is higher for
individuals with higher incomes.
Question 10 Part D Costs
Mr. Alonso wants to know what costs he would generally expect when enrolling in a standard Medicare
Part D prescription drug plan. What should you tell him?
CORRECT ANSWER
He generally would pay a monthly premium, annual deductible, and per-prescription cost-
sharing.
Question 11 Medicare Eligibility
(Income)
Ms. Moore plans to retire at 65 and is concerned her considerable income will make it impossible for
her to qualify for Medicare. What could you tell her?
CORRECT ANSWER
Medicare is a program for people age 65 or older and those under age 65 with certain
disabilities, end-stage renal disease, and Lou Gehrig's disease, so she will be eligible for
Medicare regardless of income.
AHIP Final Exam Test Bank | Medicare Advantage & Part D | Educational Use Only | Page 3
