NABIP CERTIFICATION FINAL EXAM 2026 —
350 PRACTICE QUESTIONS VERIFIED
QUESTIONS AND CORRECT ANSWERS WITH
RATIONALES
PART A — MEDICARE BASICS & ELIGIBILITY (Questions 1–60)
1. Which of the following individuals is automatically entitled to Medicare Part
A without paying a premium?
A) Any individual age 65 or older
B) Any individual who has paid Medicare taxes for at least 10 years (40
quarters) and is age 65 or older
C) Any individual who is a U.S. citizen
D) Any individual who has been a permanent resident for 5 years
Correct Answer: B
Rationale: Premium free Part A is available to individuals age 65 or older who
have paid Medicare taxes for at least 40 quarters (10 years). Others may
qualify through a spouse's work record or by paying a premium.
,2. A beneficiary becomes entitled to Medicare Part A on the first day of the
month in which they turn age 65. If their birthday is on the first of the month,
when does coverage begin?
A) The first day of the birthday month
B) The first day of the previous month
C) The first day of the following month
D) The actual birthday dates
Correct Answer: B
Rationale: If a beneficiary's birthday falls on the first day of the month,
Medicare entitlement begins on the first day of the preceding month.
3. What is the maximum number of months a beneficiary can delay enrollment
in Medicare Part B without penalty if they have qualifying employer group
health plan coverage?
A) 6 months
B) 8 months
C) 12 months
D) No limit as long as they have qualifying coverage
Correct Answer: D
Rationale: There is no time limit to delay Part B enrollment without penalty as
long as the individual has qualifying employer group health plan coverage.
The Special Enrollment Period (SEP) begins when the employment or
coverage ends.
,4. Maria is 64 years old and has been diagnosed with End Stage Renal Disease
(ESRD). She requires dialysis three times per week. When will her Medicare
coverage begin?
A) Immediately upon diagnosis
B) The first day of the month in which dialysis begins
C) The third month after dialysis begins
D) The first day of the fourth month of dialysis treatment
Correct Answer: D
Rationale: For ESRD, Medicare coverage generally begins the first day of the
fourth month of dialysis treatments. Coverage can begin earlier if the patient
participates in a home dialysis training program.
5. Which of the following is NOT a requirement for an individual to be eligible
for Medicare?
A) Be age 65 or older
B) Have a qualifying disability for 24 months or more
C) Have ESRD
D) Have an income below the federal poverty level
Correct Answer: D
Rationale: Medicare eligibility is based on age, disability status, or ESRD—not
on income. Lowincome individuals may qualify for Medicaid or Medicare
, Savings Programs but are not automatically eligible for Medicare based on
income alone.
6. What is the Initial Enrollment Period (IEP) for Medicare Part B?
A) 3 months before turning 65 through 3 months after
B) 7 months beginning 3 months before the month of eligibility through 3
months after
C) 6 months before and 6 months after turning 65
D) Only the month of the 65th birthday
Correct Answer: B
Rationale: The IEP is a 7month period: 3 months before, the month of, and 3
months after the month the individual first becomes eligible for Medicare.
7. Which of the following statements about Medicare Part A coverage is
CORRECT?
A) Part A covers physician services and outpatient care
B) Part A covers inpatient hospital stays, skilled nursing facility care, hospice,
and some home health care
C) Part A covers prescription drugs
D) Part A covers routine dental and vision care
Correct Answer: B
350 PRACTICE QUESTIONS VERIFIED
QUESTIONS AND CORRECT ANSWERS WITH
RATIONALES
PART A — MEDICARE BASICS & ELIGIBILITY (Questions 1–60)
1. Which of the following individuals is automatically entitled to Medicare Part
A without paying a premium?
A) Any individual age 65 or older
B) Any individual who has paid Medicare taxes for at least 10 years (40
quarters) and is age 65 or older
C) Any individual who is a U.S. citizen
D) Any individual who has been a permanent resident for 5 years
Correct Answer: B
Rationale: Premium free Part A is available to individuals age 65 or older who
have paid Medicare taxes for at least 40 quarters (10 years). Others may
qualify through a spouse's work record or by paying a premium.
,2. A beneficiary becomes entitled to Medicare Part A on the first day of the
month in which they turn age 65. If their birthday is on the first of the month,
when does coverage begin?
A) The first day of the birthday month
B) The first day of the previous month
C) The first day of the following month
D) The actual birthday dates
Correct Answer: B
Rationale: If a beneficiary's birthday falls on the first day of the month,
Medicare entitlement begins on the first day of the preceding month.
3. What is the maximum number of months a beneficiary can delay enrollment
in Medicare Part B without penalty if they have qualifying employer group
health plan coverage?
A) 6 months
B) 8 months
C) 12 months
D) No limit as long as they have qualifying coverage
Correct Answer: D
Rationale: There is no time limit to delay Part B enrollment without penalty as
long as the individual has qualifying employer group health plan coverage.
The Special Enrollment Period (SEP) begins when the employment or
coverage ends.
,4. Maria is 64 years old and has been diagnosed with End Stage Renal Disease
(ESRD). She requires dialysis three times per week. When will her Medicare
coverage begin?
A) Immediately upon diagnosis
B) The first day of the month in which dialysis begins
C) The third month after dialysis begins
D) The first day of the fourth month of dialysis treatment
Correct Answer: D
Rationale: For ESRD, Medicare coverage generally begins the first day of the
fourth month of dialysis treatments. Coverage can begin earlier if the patient
participates in a home dialysis training program.
5. Which of the following is NOT a requirement for an individual to be eligible
for Medicare?
A) Be age 65 or older
B) Have a qualifying disability for 24 months or more
C) Have ESRD
D) Have an income below the federal poverty level
Correct Answer: D
Rationale: Medicare eligibility is based on age, disability status, or ESRD—not
on income. Lowincome individuals may qualify for Medicaid or Medicare
, Savings Programs but are not automatically eligible for Medicare based on
income alone.
6. What is the Initial Enrollment Period (IEP) for Medicare Part B?
A) 3 months before turning 65 through 3 months after
B) 7 months beginning 3 months before the month of eligibility through 3
months after
C) 6 months before and 6 months after turning 65
D) Only the month of the 65th birthday
Correct Answer: B
Rationale: The IEP is a 7month period: 3 months before, the month of, and 3
months after the month the individual first becomes eligible for Medicare.
7. Which of the following statements about Medicare Part A coverage is
CORRECT?
A) Part A covers physician services and outpatient care
B) Part A covers inpatient hospital stays, skilled nursing facility care, hospice,
and some home health care
C) Part A covers prescription drugs
D) Part A covers routine dental and vision care
Correct Answer: B
