1
AHIP Final Exam Answer Key Verified Answers
for Medicare Certification Actual Exam
2026/2027 Complete Exam-Style Questions with
Detailed Rationales | 100% Verified | Pass
Guaranteed – A+ Graded
Part I: Medicare Basics, Eligibility & Enrollment (Questions 1-
13)
Q1: Margaret turned 65 on March 15, 2026. She has not yet
enrolled in Medicare. During what time frame is her Initial
Enrollment Period (IEP)?
A. Only during the month of her 65th birthday
B. The 7-month period that includes 3 months before her 65th
birthday, the month of her birthday, and 3 months after her
birthday (December 2025 – June 2026)
C. January 1 through March 31, 2027 only
D. Anytime she decides to enroll after turning 65
Correct Answer: B
Rationale: The best answer is B because the Initial Enrollment
Period for Medicare is a 7-month window that gives people
,2
plenty of time to enroll—the three months before they turn 65,
their birthday month, and the three months after—so Margaret's
IEP runs from December 2025 through June 2026.
Q2: Robert is 67 years old and delayed enrolling in Part B
because he had employer coverage through his job. He just
retired on July 1, 2026, and lost that coverage. What type of
enrollment period does Robert have?
A. Initial Enrollment Period (IEP)
B. Annual Enrollment Period (AEP)
C. Special Enrollment Period (SEP) due to loss of employer-
based coverage
D. Open Enrollment Period (OEP)
Correct Answer: C
Rationale: This choice is correct because when someone delays
Part B enrollment due to having creditable employer coverage,
they qualify for a Special Enrollment Period once that
employment or coverage ends—this lets them sign up without
facing the late enrollment penalty that would normally apply.
,3
Q3: Which of the following statements about Medicare Part A is
ACCURATE?
A. Part A covers physician services, outpatient care, and
preventive services
B. Part A is known as Hospital Insurance and covers inpatient
hospital stays, skilled nursing facility care, hospice care, and
some home health care—most people get it premium-free if they
paid Medicare taxes while working
C. Part A covers prescription drugs filled at retail pharmacies
D. Part A is optional and most beneficiaries choose not to enroll
Correct Answer: B
Rationale: The best answer is B because Part A is specifically
designed to cover hospital-related services, and the vast majority
of people don't pay a monthly premium for it since they or their
spouse already paid into the system through payroll taxes during
their working years.
Q4: Susan calls you on November 10, 2026, and says she wants
to switch from her current Medicare Advantage PPO plan to a
Medicare Supplement (Medigap) plan with original Medicare.
Can she do this during this time of year?
, 4
A. Yes, she can make any change she wants during the Annual
Enrollment Period
B. No, switching from Medicare Advantage to original Medicare
with a Medigap plan outside of Medigap open enrollment rights
may involve medical underwriting and is not guaranteed
C. Yes, but only if she calls before December 7th
D. No, she can only switch during the Open Enrollment Period
(January–March)
Correct Answer: B
Rationale: This choice is correct because the Annual Enrollment
Period allows changes between Medicare Advantage plans and
Part D plans, but dropping Medicare Advantage entirely to
return to original Medicare and apply for a Medigap policy is
different—Medigap plans can use medical underwriting outside
of specific guaranteed-issue rights, meaning Susan could be
denied or charged more based on health.
Q5: James is turning 65 in September 2026 but wants to keep
working and stay on his employer's group health plan. What
should you tell him about Medicare enrollment?
AHIP Final Exam Answer Key Verified Answers
for Medicare Certification Actual Exam
2026/2027 Complete Exam-Style Questions with
Detailed Rationales | 100% Verified | Pass
Guaranteed – A+ Graded
Part I: Medicare Basics, Eligibility & Enrollment (Questions 1-
13)
Q1: Margaret turned 65 on March 15, 2026. She has not yet
enrolled in Medicare. During what time frame is her Initial
Enrollment Period (IEP)?
A. Only during the month of her 65th birthday
B. The 7-month period that includes 3 months before her 65th
birthday, the month of her birthday, and 3 months after her
birthday (December 2025 – June 2026)
C. January 1 through March 31, 2027 only
D. Anytime she decides to enroll after turning 65
Correct Answer: B
Rationale: The best answer is B because the Initial Enrollment
Period for Medicare is a 7-month window that gives people
,2
plenty of time to enroll—the three months before they turn 65,
their birthday month, and the three months after—so Margaret's
IEP runs from December 2025 through June 2026.
Q2: Robert is 67 years old and delayed enrolling in Part B
because he had employer coverage through his job. He just
retired on July 1, 2026, and lost that coverage. What type of
enrollment period does Robert have?
A. Initial Enrollment Period (IEP)
B. Annual Enrollment Period (AEP)
C. Special Enrollment Period (SEP) due to loss of employer-
based coverage
D. Open Enrollment Period (OEP)
Correct Answer: C
Rationale: This choice is correct because when someone delays
Part B enrollment due to having creditable employer coverage,
they qualify for a Special Enrollment Period once that
employment or coverage ends—this lets them sign up without
facing the late enrollment penalty that would normally apply.
,3
Q3: Which of the following statements about Medicare Part A is
ACCURATE?
A. Part A covers physician services, outpatient care, and
preventive services
B. Part A is known as Hospital Insurance and covers inpatient
hospital stays, skilled nursing facility care, hospice care, and
some home health care—most people get it premium-free if they
paid Medicare taxes while working
C. Part A covers prescription drugs filled at retail pharmacies
D. Part A is optional and most beneficiaries choose not to enroll
Correct Answer: B
Rationale: The best answer is B because Part A is specifically
designed to cover hospital-related services, and the vast majority
of people don't pay a monthly premium for it since they or their
spouse already paid into the system through payroll taxes during
their working years.
Q4: Susan calls you on November 10, 2026, and says she wants
to switch from her current Medicare Advantage PPO plan to a
Medicare Supplement (Medigap) plan with original Medicare.
Can she do this during this time of year?
, 4
A. Yes, she can make any change she wants during the Annual
Enrollment Period
B. No, switching from Medicare Advantage to original Medicare
with a Medigap plan outside of Medigap open enrollment rights
may involve medical underwriting and is not guaranteed
C. Yes, but only if she calls before December 7th
D. No, she can only switch during the Open Enrollment Period
(January–March)
Correct Answer: B
Rationale: This choice is correct because the Annual Enrollment
Period allows changes between Medicare Advantage plans and
Part D plans, but dropping Medicare Advantage entirely to
return to original Medicare and apply for a Medigap policy is
different—Medigap plans can use medical underwriting outside
of specific guaranteed-issue rights, meaning Susan could be
denied or charged more based on health.
Q5: James is turning 65 in September 2026 but wants to keep
working and stay on his employer's group health plan. What
should you tell him about Medicare enrollment?
