AHIP Final Exam Latest (2026/2027) Actual Exam
2026/2027 | Complete Exam-Style Questions with
Detailed Rationales | 100% Verified – Pass Guaranteed
– A+ Graded
Medicare Basics & Eligibility (Parts A & B)
Q1: Mrs. Lopez was admitted to the hospital on January 10 for pneumonia and discharged
January 25. On February 3, she is readmitted with a related infection. Under Original
Medicare Part A, what does this mean for her benefit period?
A. A new benefit period begins with each admission, so she owes a second deductible
B. The benefit period resets once she goes home
C. The two stays combine only if they occur within the same calendar month
D. The readmission within 60 days continues the same benefit period, so no new deductible
applies [CORRECT]
Correct Answer: D
Rationale: This choice is correct because a benefit period ends only after 60 consecutive
days out of the hospital, so a February readmission lands in the same benefit period and the
deductible is not charged again.
Q2: Once a beneficiary has been an inpatient for 60 days within a benefit period, what cost
sharing applies to days 61 through 90?
A. A second full Part A deductible
B. A daily coinsurance amount for each of those days [CORRECT]
C. 20% of the total hospital bill, the same as Part B
D. Nothing — those days are fully covered
Correct Answer: B
Rationale: The best answer is B. Days 61 through 90 carry a per-day coinsurance set annually
by CMS, which is a different structure from the flat deductible that opens the benefit period.
Q3: Mr. Chen has used 90 inpatient days in his current benefit period and still needs hospital
care. What comes next under Part A?
A. The hospital must cover him at no cost for 30 more days
B. Part B takes over the inpatient charges automatically
C. He can draw on 60 lifetime reserve days, which carry a higher daily coinsurance and can
only be used once [CORRECT]
D. He pays the full cost out of pocket with no further Medicare help
Correct Answer: C
Rationale: This choice is correct because after 90 days, the 60 lifetime reserve days are the
next layer of Part A protection — higher coinsurance per day, and once they're gone, they
never come back.
, Q4: Mrs. Delacroix spent two days in the hospital in observation status, then was admitted
to a skilled nursing facility for rehabilitation. How does Part A treat her SNF stay?
A. It will not cover the SNF stay, because observation days don't count toward the required
three-day qualifying inpatient stay [CORRECT]
B. It covers the SNF stay in full because she was physically in the hospital
C. It covers her after she pays a new Part A deductible
D. It covers only her medications while she is at the facility
Correct Answer: A
Rationale: Remember, CMS requires a qualifying three-day inpatient stay before SNF
benefits begin, and observation status doesn't count no matter how many nights the patient
spends in the building.
Q5: Who qualifies for premium-free Medicare Part A?
A. Anyone who has lived in the United States for ten years
B. Any beneficiary enrolled in Part B for at least ten years
C. Those with at least 40 quarters of Medicare-covered employment, or a spouse with that
work history [CORRECT]
D. Only retirees receiving a federal pension
Correct Answer: C
Rationale: The best answer is C. Forty quarters of Medicare-taxed work — roughly ten years
— earns premium-free Part A, and that same work record can extend the benefit to a
spouse.
Q6: Which of these services falls under Part B?
A. Inpatient room and board
B. Physician office visits and outpatient hospital care [CORRECT]
C. Prescription drugs filled at a retail pharmacy
D. Long-term custodial care in a nursing home
Correct Answer: B
Rationale: This choice is correct because Part B is the medical side of Medicare — doctor
visits, outpatient treatment, and related services — while inpatient care sits with Part A and
retail drugs with Part D.
Q7: Mr. and Mrs. Hale notice their Part B premiums jumped this year even though they
remain on the same standard plan. What drives that change?
A. The number of years they have been enrolled
B. The size of their monthly Social Security checks
C. The county they live in
D. Their modified adjusted gross income from the tax return filed two years ago [CORRECT]
Correct Answer: D
Rationale: The best answer is D. IRMAA is calculated from MAGI on the return from two
years prior, so higher income back then means higher Part B premiums now.
Q8: How often can a Medicare beneficiary receive the annual wellness visit, and how is it
covered?
A. Once every 12 months, covered by Part B with no cost sharing [CORRECT]
B. Once every five years, with 20% coinsurance
2026/2027 | Complete Exam-Style Questions with
Detailed Rationales | 100% Verified – Pass Guaranteed
– A+ Graded
Medicare Basics & Eligibility (Parts A & B)
Q1: Mrs. Lopez was admitted to the hospital on January 10 for pneumonia and discharged
January 25. On February 3, she is readmitted with a related infection. Under Original
Medicare Part A, what does this mean for her benefit period?
A. A new benefit period begins with each admission, so she owes a second deductible
B. The benefit period resets once she goes home
C. The two stays combine only if they occur within the same calendar month
D. The readmission within 60 days continues the same benefit period, so no new deductible
applies [CORRECT]
Correct Answer: D
Rationale: This choice is correct because a benefit period ends only after 60 consecutive
days out of the hospital, so a February readmission lands in the same benefit period and the
deductible is not charged again.
Q2: Once a beneficiary has been an inpatient for 60 days within a benefit period, what cost
sharing applies to days 61 through 90?
A. A second full Part A deductible
B. A daily coinsurance amount for each of those days [CORRECT]
C. 20% of the total hospital bill, the same as Part B
D. Nothing — those days are fully covered
Correct Answer: B
Rationale: The best answer is B. Days 61 through 90 carry a per-day coinsurance set annually
by CMS, which is a different structure from the flat deductible that opens the benefit period.
Q3: Mr. Chen has used 90 inpatient days in his current benefit period and still needs hospital
care. What comes next under Part A?
A. The hospital must cover him at no cost for 30 more days
B. Part B takes over the inpatient charges automatically
C. He can draw on 60 lifetime reserve days, which carry a higher daily coinsurance and can
only be used once [CORRECT]
D. He pays the full cost out of pocket with no further Medicare help
Correct Answer: C
Rationale: This choice is correct because after 90 days, the 60 lifetime reserve days are the
next layer of Part A protection — higher coinsurance per day, and once they're gone, they
never come back.
, Q4: Mrs. Delacroix spent two days in the hospital in observation status, then was admitted
to a skilled nursing facility for rehabilitation. How does Part A treat her SNF stay?
A. It will not cover the SNF stay, because observation days don't count toward the required
three-day qualifying inpatient stay [CORRECT]
B. It covers the SNF stay in full because she was physically in the hospital
C. It covers her after she pays a new Part A deductible
D. It covers only her medications while she is at the facility
Correct Answer: A
Rationale: Remember, CMS requires a qualifying three-day inpatient stay before SNF
benefits begin, and observation status doesn't count no matter how many nights the patient
spends in the building.
Q5: Who qualifies for premium-free Medicare Part A?
A. Anyone who has lived in the United States for ten years
B. Any beneficiary enrolled in Part B for at least ten years
C. Those with at least 40 quarters of Medicare-covered employment, or a spouse with that
work history [CORRECT]
D. Only retirees receiving a federal pension
Correct Answer: C
Rationale: The best answer is C. Forty quarters of Medicare-taxed work — roughly ten years
— earns premium-free Part A, and that same work record can extend the benefit to a
spouse.
Q6: Which of these services falls under Part B?
A. Inpatient room and board
B. Physician office visits and outpatient hospital care [CORRECT]
C. Prescription drugs filled at a retail pharmacy
D. Long-term custodial care in a nursing home
Correct Answer: B
Rationale: This choice is correct because Part B is the medical side of Medicare — doctor
visits, outpatient treatment, and related services — while inpatient care sits with Part A and
retail drugs with Part D.
Q7: Mr. and Mrs. Hale notice their Part B premiums jumped this year even though they
remain on the same standard plan. What drives that change?
A. The number of years they have been enrolled
B. The size of their monthly Social Security checks
C. The county they live in
D. Their modified adjusted gross income from the tax return filed two years ago [CORRECT]
Correct Answer: D
Rationale: The best answer is D. IRMAA is calculated from MAGI on the return from two
years prior, so higher income back then means higher Part B premiums now.
Q8: How often can a Medicare beneficiary receive the annual wellness visit, and how is it
covered?
A. Once every 12 months, covered by Part B with no cost sharing [CORRECT]
B. Once every five years, with 20% coinsurance
