AHIP 2028 Final Exam | Most Recent Exam 2026
Actual Complete Real Exam Questions With 100%
Correct Answers | Verified Answers | Already
Graded A+ | Guaranteed Success!! | Newest Exam
| Just Released!!
Category 1: Medicare Basics & Eligibility (Parts A & B)
Q1. Which of the following is true about premium-free Part A eligibility?
A) A beneficiary must pay a premium if they did not work.
B) Individuals are eligible for premium-free Part A at age 65 if they or their spouse
paid Medicare taxes for at least 40 quarters (10 years).
C) Everyone must pay a premium for Part A.
D) Part A is only free if you also enroll in Part B.
Answer: B
Rationale: Work history of 40 quarters (10 years) under Medicare-covered
employment grants premium-free Part A.
Q2. How is the Part A inpatient hospital deductible applied?
A) Once per calendar year.
B) Per benefit period, which begins the day of admission and ends after 60
consecutive days without inpatient hospital or SNF care.
C) Per lifetime.
, D) Only if the stay exceeds 90 days.
Answer: B
Rationale: Deductibles under Part A are applied "per benefit period" rather than
on an annual basis.
Q3. If a beneficiary delays enrollment in Part B at age 65 because they are covered
under an active employer group health plan (EGHP) with 50 employees, what is true
when they retire?
A) They must pay a lifetime Part B late enrollment penalty.
B) They qualify for an 8-month Special Enrollment Period (SEP) to enroll without
penalty.
C) They can only enroll during the General Enrollment Period (GEP) from Jan 1–
March 31.
D) They must wait until the next Annual Election Period (AEP).
Answer: B
Rationale: Delaying Part B due to active employer coverage (over 20 employees)
shields the beneficiary from penalties and grants an 8-month retirement SEP.
Q4. What penalty applies to a beneficiary who delays Part B enrollment without
creditable coverage?
A) A one-time fee of 10%.
B) A permanent 10% premium increase for each full 12-month period they could
have enrolled but did not.
, C) A flat $50 monthly penalty.
D) They are permanently banned from enrolling in Part B.
Answer: B
Rationale: The Part B penalty is a cumulative, lifetime penalty of 10% for every
12-month period of delayed enrollment without creditable coverage.
Q5. Who qualifies for Medicare under age 65?
A) Individuals who have been receiving Social Security Disability Insurance (SSDI)
for 24 months.
B) Individuals with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease).
C) Both A and B.
D) Anyone who receives state food assistance.
Answer: C
Rationale: Disability entitlement requires a 24-month waiting period, while
individuals diagnosed with ALS or ESRD bypass this wait.
Q6. What services does Medicare Part B primarily cover?
A) Hospitalizations, hospice, and skilled nursing.
B) Medically necessary outpatient services, physician visits, preventive care, and
durable medical equipment (DME).
C) Long-term nursing home care and custodial care.
D) Cosmetic surgeries and dental care.
Actual Complete Real Exam Questions With 100%
Correct Answers | Verified Answers | Already
Graded A+ | Guaranteed Success!! | Newest Exam
| Just Released!!
Category 1: Medicare Basics & Eligibility (Parts A & B)
Q1. Which of the following is true about premium-free Part A eligibility?
A) A beneficiary must pay a premium if they did not work.
B) Individuals are eligible for premium-free Part A at age 65 if they or their spouse
paid Medicare taxes for at least 40 quarters (10 years).
C) Everyone must pay a premium for Part A.
D) Part A is only free if you also enroll in Part B.
Answer: B
Rationale: Work history of 40 quarters (10 years) under Medicare-covered
employment grants premium-free Part A.
Q2. How is the Part A inpatient hospital deductible applied?
A) Once per calendar year.
B) Per benefit period, which begins the day of admission and ends after 60
consecutive days without inpatient hospital or SNF care.
C) Per lifetime.
, D) Only if the stay exceeds 90 days.
Answer: B
Rationale: Deductibles under Part A are applied "per benefit period" rather than
on an annual basis.
Q3. If a beneficiary delays enrollment in Part B at age 65 because they are covered
under an active employer group health plan (EGHP) with 50 employees, what is true
when they retire?
A) They must pay a lifetime Part B late enrollment penalty.
B) They qualify for an 8-month Special Enrollment Period (SEP) to enroll without
penalty.
C) They can only enroll during the General Enrollment Period (GEP) from Jan 1–
March 31.
D) They must wait until the next Annual Election Period (AEP).
Answer: B
Rationale: Delaying Part B due to active employer coverage (over 20 employees)
shields the beneficiary from penalties and grants an 8-month retirement SEP.
Q4. What penalty applies to a beneficiary who delays Part B enrollment without
creditable coverage?
A) A one-time fee of 10%.
B) A permanent 10% premium increase for each full 12-month period they could
have enrolled but did not.
, C) A flat $50 monthly penalty.
D) They are permanently banned from enrolling in Part B.
Answer: B
Rationale: The Part B penalty is a cumulative, lifetime penalty of 10% for every
12-month period of delayed enrollment without creditable coverage.
Q5. Who qualifies for Medicare under age 65?
A) Individuals who have been receiving Social Security Disability Insurance (SSDI)
for 24 months.
B) Individuals with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s disease).
C) Both A and B.
D) Anyone who receives state food assistance.
Answer: C
Rationale: Disability entitlement requires a 24-month waiting period, while
individuals diagnosed with ALS or ESRD bypass this wait.
Q6. What services does Medicare Part B primarily cover?
A) Hospitalizations, hospice, and skilled nursing.
B) Medically necessary outpatient services, physician visits, preventive care, and
durable medical equipment (DME).
C) Long-term nursing home care and custodial care.
D) Cosmetic surgeries and dental care.
