AHIP Medicare Supplement Insurance Examination Questions And Correct Answers (Verified Answers) Plus Rationales 2026 Q&A | Instant Download Pdf

AHIP Medicare Supplement Insurance
Examination Questions And Correct
Answers (Verified Answers) Plus
Rationales 2026 Q&A | Instant Download
Pdf
1. What is the primary purpose of a Medicare Supplement Insurance
policy?
A. To replace Original Medicare entirely
B. To provide prescription drug coverage
C. To help pay certain costs that Original Medicare does not fully
cover
D. To provide long-term custodial care
Answer: C. To help pay certain costs that Original Medicare does
not fully cover
Rationale: Medigap policies are designed to supplement Original
Medicare by helping beneficiaries pay certain Medicare cost-sharing
amounts, such as eligible deductibles, coinsurance, and copayments,
depending on the plan. A Medigap policy does not replace Original
Medicare and generally does not provide routine prescription drug
coverage or long-term custodial care.
2. Which Medicare coverage arrangement is generally required for a
person to purchase a Medicare Supplement policy?
A. Medicare Part A and Part B
B. Medicare Part C only

,C. Medicare Part D only
D. Medicaid only
Answer: A. Medicare Part A and Part B
Rationale: Medigap is designed to work with Original Medicare. A
beneficiary generally must have Medicare Part A and Part B to
purchase a Medigap policy. Medigap does not function as a
supplement to a Medicare Advantage plan.
3. Which statement best describes the relationship between Original
Medicare and Medigap?
A. Medigap pays Medicare premiums in every situation
B. Medigap replaces Medicare Part B
C. Medigap becomes the primary payer for all medical services
D. Medicare generally pays its share of covered services first, and
the Medigap policy may pay eligible remaining amounts according
to its benefits
Answer: D. Medicare generally pays its share of covered services
first, and the Medigap policy may pay eligible remaining amounts
according to its benefits
Rationale: A Medigap policy supplements Original Medicare rather
than replacing it. For covered services, Original Medicare generally
processes the claim first, after which the Medigap policy may pay
eligible cost-sharing amounts according to the particular plan.
3. What does the term “Medigap” most accurately describe?
A. A Medicare prescription drug plan
B. Private health insurance designed to supplement Original
Medicare

,C. A Medicaid eligibility category
D. A Medicare Advantage service area
Answer: B. Private health insurance designed to supplement
Original Medicare
Rationale: Medigap is the common term for Medicare Supplement
Insurance. These policies are sold by private insurance companies and
are designed to help cover certain out-of-pocket expenses associated
with Original Medicare.
5. Which organization establishes the federal framework for
standardized Medigap plan benefits?
A. The federal government through Medicare rules
B. Individual hospitals
C. Local pharmacies
D. Individual physicians
Answer: A. The federal government through Medicare rules
Rationale: Federal Medicare rules establish standardized Medigap
plan benefit structures. Private insurers sell the policies, but the
standardized benefit designs are governed by federal requirements,
subject to applicable state regulation.
6. Which person is generally not an appropriate purchaser of a
Medigap policy?
A. A beneficiary enrolled in Original Medicare
B. A person with Medicare Part A and Part B
C. A beneficiary seeking help with Original Medicare cost sharing
D. A person enrolled in a Medicare Advantage plan who wants a
Medigap policy to supplement that plan

, Answer: D. A person enrolled in a Medicare Advantage plan who
wants a Medigap policy to supplement that plan
Rationale: Medigap policies are designed to supplement Original
Medicare, not Medicare Advantage. A beneficiary generally cannot use
Medigap to pay Medicare Advantage plan cost sharing. A person
considering Medigap generally needs to be enrolled in Original
Medicare.
7. What is an important distinction between Medigap and Medicare
Advantage?
A. Both are identical forms of supplemental insurance
B. Medicare Advantage is an alternative way to receive Medicare-
covered benefits, while Medigap supplements Original Medicare
C. Medigap replaces Part A and Part B
D. Medicare Advantage is sold only by the federal government
Answer: B. Medicare Advantage is an alternative way to receive
Medicare-covered benefits, while Medigap supplements Original
Medicare
Rationale: Medicare Advantage and Medigap serve different functions.
Medicare Advantage plans provide Medicare-covered benefits through
private health plans, while Medigap policies supplement Original
Medicare by helping pay certain Medicare cost-sharing expenses.
8. Which benefit is generally outside the basic purpose of
standardized Medigap coverage?
A. Certain Medicare Part A cost sharing
B. Certain Medicare Part B cost sharing
C. Certain hospital-related expenses
D. Routine long-term custodial care