100% AHIP Final Exam Latest
(2025/2026) | 50 Verified Questions and
Correct Answers | A+ Graded
SECTION 1: MEDICARE BASICS & ELIGIBILITY (Questions 1–10)
1. What is the earliest age most individuals become eligible for
Medicare?
• A) 62
• B) 65
• C) 67
• D) 70
Correct Answer: B
Rationale: Most individuals become eligible for Medicare at age 65.
Individuals under 65 may qualify if they have certain disabilities, End-
Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS).
2. Mrs. Johnson is turning 65 next month and is still working with
employer coverage. She wants to delay Part B enrollment. Which
statement is correct?
• A) She must enroll in Part B now or face a permanent late penalty
, • B) She can delay Part B without penalty if she has creditable
coverage through her or her spouse's current employment
• C) She cannot delay Part B under any circumstances
• D) She must drop her employer coverage to enroll in Medicare later
Correct Answer: B
Rationale: Individuals with creditable coverage (coverage at least as
good as Medicare's) through current employment may delay Part B
enrollment without penalty. A Special Enrollment Period (SEP) allows
enrollment when the employment or coverage ends.
3. Which of the following individuals is eligible for Medicare Part A
without paying a premium?
• A) Anyone age 65 or older
• B) Individuals age 65 or older who have worked and paid Medicare
taxes for at least 40 quarters (10 years)
• C) All U.S. citizens regardless of work history
• D) Individuals with any disability
Correct Answer: B
Rationale: Medicare Part A is premium-free for individuals age 65 or
older who have worked at least 40 quarters (10 years) in Medicare-
covered employment, or who are entitled to Social Security or Railroad
Retirement benefits.
, 4. Medicare Part A primarily covers:
• A) Outpatient services and doctor visits
• B) Prescription drugs
• C) Hospital inpatient care, skilled nursing facility care, hospice, and
some home health care
• D) Dental and vision services
Correct Answer: C
Rationale: Medicare Part A (Hospital Insurance) covers inpatient
hospital stays, skilled nursing facility care (not custodial or long-term
care), hospice care, and some home health care.
5. Medicare Part B covers which of the following services?
• A) Inpatient hospital stays
• B) Long-term custodial care
• C) Physician services, outpatient care, durable medical equipment,
and preventive services
• D) Prescription medications
Correct Answer: C
Rationale: Medicare Part B (Medical Insurance) covers physician
services, outpatient care, durable medical equipment (DME), home
health care (when not covered by Part A), and many preventive services.
(2025/2026) | 50 Verified Questions and
Correct Answers | A+ Graded
SECTION 1: MEDICARE BASICS & ELIGIBILITY (Questions 1–10)
1. What is the earliest age most individuals become eligible for
Medicare?
• A) 62
• B) 65
• C) 67
• D) 70
Correct Answer: B
Rationale: Most individuals become eligible for Medicare at age 65.
Individuals under 65 may qualify if they have certain disabilities, End-
Stage Renal Disease (ESRD), or Amyotrophic Lateral Sclerosis (ALS).
2. Mrs. Johnson is turning 65 next month and is still working with
employer coverage. She wants to delay Part B enrollment. Which
statement is correct?
• A) She must enroll in Part B now or face a permanent late penalty
, • B) She can delay Part B without penalty if she has creditable
coverage through her or her spouse's current employment
• C) She cannot delay Part B under any circumstances
• D) She must drop her employer coverage to enroll in Medicare later
Correct Answer: B
Rationale: Individuals with creditable coverage (coverage at least as
good as Medicare's) through current employment may delay Part B
enrollment without penalty. A Special Enrollment Period (SEP) allows
enrollment when the employment or coverage ends.
3. Which of the following individuals is eligible for Medicare Part A
without paying a premium?
• A) Anyone age 65 or older
• B) Individuals age 65 or older who have worked and paid Medicare
taxes for at least 40 quarters (10 years)
• C) All U.S. citizens regardless of work history
• D) Individuals with any disability
Correct Answer: B
Rationale: Medicare Part A is premium-free for individuals age 65 or
older who have worked at least 40 quarters (10 years) in Medicare-
covered employment, or who are entitled to Social Security or Railroad
Retirement benefits.
, 4. Medicare Part A primarily covers:
• A) Outpatient services and doctor visits
• B) Prescription drugs
• C) Hospital inpatient care, skilled nursing facility care, hospice, and
some home health care
• D) Dental and vision services
Correct Answer: C
Rationale: Medicare Part A (Hospital Insurance) covers inpatient
hospital stays, skilled nursing facility care (not custodial or long-term
care), hospice care, and some home health care.
5. Medicare Part B covers which of the following services?
• A) Inpatient hospital stays
• B) Long-term custodial care
• C) Physician services, outpatient care, durable medical equipment,
and preventive services
• D) Prescription medications
Correct Answer: C
Rationale: Medicare Part B (Medical Insurance) covers physician
services, outpatient care, durable medical equipment (DME), home
health care (when not covered by Part A), and many preventive services.
