AHIP Final Exam (Latest 2026/2027
Update) Questions with Verified Answers
|100% Correct |Already Graded A
Section 1: Medicare Basics and Eligibility (Questions 1-20)
1. Mrs. Chen is turning 65 next month and is currently covered under her
spouse's employer-sponsored health plan. She wants to know if she must
enroll in Medicare Part A when she turns 65. What should you tell her?
A. She must enroll in Part A at 65 to avoid a late enrollment penalty
B. She can delay enrolling in Part A without penalty if she has creditable coverage
through her spouse's employer plan
C. She must enroll in both Part A and Part B at 65 regardless of other coverage
D. She cannot delay Part A enrollment under any circumstances
B. She can delay enrolling in Part A without penalty if she has creditable
coverage through her spouse's employer plan
RATIONALE: Individuals who have creditable coverage through an employer
(their own or a spouse's) can delay enrolling in Medicare Part A without incurring a
late enrollment penalty, as long as they enroll during their Special Enrollment Period
when that coverage ends.
,2. A beneficiary asks you whether they should enroll in Medicare Part B. Which
of the following is true regarding Part B enrollment?
A. Part B is free for all beneficiaries
B. Part B requires payment of a monthly premium
C. Part B covers only inpatient hospital services
D. Part B enrollment is automatic for all individuals at age 65
B. Part B requires payment of a monthly premium
RATIONALE: Medicare Part B requires a monthly premium, which is typically
deducted from Social Security benefits. The standard premium amount is set
annually by CMS and may be higher for individuals with higher incomes.
3. Mr. Rodriguez is 67 and currently enrolled in Medicare Part A only. He wants
to know if he can enroll in Part B during the General Enrollment Period. When
does this period occur?
A. January 1 – March 31 each year
B. October 15 – December 7 each year
C. April 1 – June 30 each year
D. July 1 – September 30 each year
A. January 1 – March 31 each year
RATIONALE: The General Enrollment Period for Medicare Part B runs from
January 1 through March 31 each year. Coverage begins July 1 of that year.
Beneficiaries who enroll during this period may have to pay a late enrollment
penalty if they did not have creditable coverage.
4. What is the Initial Enrollment Period (IEP) for Medicare?
,A. A 3-month period starting on the beneficiary's 65th birthday
B. A 7-month period beginning 3 months before the month of the beneficiary's 65th
birthday, including the birthday month, and ending 3 months after
C. A 6-month period beginning on the beneficiary's 65th birthday
D. A 12-month period beginning 6 months before the beneficiary's 65th birthday
B. A 7-month period beginning 3 months before the month of the
beneficiary's 65th birthday, including the birthday month, and ending 3 months
after
RATIONALE: The Initial Enrollment Period (IEP) is a 7-month window that
includes the 3 months before the beneficiary turns 65, the month of their birthday,
and the 3 months after. Enrolling during the first 3 months ensures coverage begins
on the first day of the birthday month.
5. Which of the following individuals is automatically enrolled in Medicare Part
A and Part B?
A. A person who has been receiving Social Security disability benefits for 24 months
B. A person who is 65 and not yet receiving Social Security benefits
C. A person who is 64 and has ESRD
D. A person who is 62 and receiving Social Security benefits
A. A person who has been receiving Social Security disability benefits for 24
months
RATIONALE: Individuals who have been receiving Social Security disability
benefits for 24 months are automatically enrolled in Medicare Part A and Part B.
Enrollment is also automatic for individuals diagnosed with ALS (Lou Gehrig's
disease) and those who are 65 and already receiving Social Security retirement
benefits.
, 6. Mr. Thompson is 68 and has been enrolled in Medicare Part A and Part B. He
currently has coverage through his former employer's retiree health plan. He
asks if he can drop his Part B coverage without penalty. What should you tell
him?
A. Yes, he can drop Part B at any time without penalty
B. No, if he drops Part B, he will have to pay a late enrollment penalty if he re-enrolls
later
C. He can drop Part B only during the Annual Enrollment Period
D. He can drop Part B only if he has a Medigap policy
B. No, if he drops Part B, he will have to pay a late enrollment penalty if he
re-enrolls later
RATIONALE: Beneficiaries who drop Part B and do not have creditable coverage
will face a late enrollment penalty (an additional 10% of the Part B premium for
each full 12-month period they were eligible but not enrolled) when they re-enroll.
7. Mrs. Davis is 66 and currently enrolled in Medicare Part A and Part B. She is
considering enrolling in a Medicare Advantage plan. Which of the following is
true regarding Medicare Advantage plans?
A. Medicare Advantage plans replace Original Medicare and are offered by private
insurance companies
B. Medicare Advantage plans are only available to individuals with Medicare Part A
only
C. Medicare Advantage plans are offered by the federal government
D. Medicare Advantage plans do not cover hospital or medical services
A. Medicare Advantage plans replace Original Medicare and are offered by
private insurance companies
RATIONALE: Medicare Advantage (Part C) plans are offered by private
insurance companies that contract with Medicare. These plans replace Original
Update) Questions with Verified Answers
|100% Correct |Already Graded A
Section 1: Medicare Basics and Eligibility (Questions 1-20)
1. Mrs. Chen is turning 65 next month and is currently covered under her
spouse's employer-sponsored health plan. She wants to know if she must
enroll in Medicare Part A when she turns 65. What should you tell her?
A. She must enroll in Part A at 65 to avoid a late enrollment penalty
B. She can delay enrolling in Part A without penalty if she has creditable coverage
through her spouse's employer plan
C. She must enroll in both Part A and Part B at 65 regardless of other coverage
D. She cannot delay Part A enrollment under any circumstances
B. She can delay enrolling in Part A without penalty if she has creditable
coverage through her spouse's employer plan
RATIONALE: Individuals who have creditable coverage through an employer
(their own or a spouse's) can delay enrolling in Medicare Part A without incurring a
late enrollment penalty, as long as they enroll during their Special Enrollment Period
when that coverage ends.
,2. A beneficiary asks you whether they should enroll in Medicare Part B. Which
of the following is true regarding Part B enrollment?
A. Part B is free for all beneficiaries
B. Part B requires payment of a monthly premium
C. Part B covers only inpatient hospital services
D. Part B enrollment is automatic for all individuals at age 65
B. Part B requires payment of a monthly premium
RATIONALE: Medicare Part B requires a monthly premium, which is typically
deducted from Social Security benefits. The standard premium amount is set
annually by CMS and may be higher for individuals with higher incomes.
3. Mr. Rodriguez is 67 and currently enrolled in Medicare Part A only. He wants
to know if he can enroll in Part B during the General Enrollment Period. When
does this period occur?
A. January 1 – March 31 each year
B. October 15 – December 7 each year
C. April 1 – June 30 each year
D. July 1 – September 30 each year
A. January 1 – March 31 each year
RATIONALE: The General Enrollment Period for Medicare Part B runs from
January 1 through March 31 each year. Coverage begins July 1 of that year.
Beneficiaries who enroll during this period may have to pay a late enrollment
penalty if they did not have creditable coverage.
4. What is the Initial Enrollment Period (IEP) for Medicare?
,A. A 3-month period starting on the beneficiary's 65th birthday
B. A 7-month period beginning 3 months before the month of the beneficiary's 65th
birthday, including the birthday month, and ending 3 months after
C. A 6-month period beginning on the beneficiary's 65th birthday
D. A 12-month period beginning 6 months before the beneficiary's 65th birthday
B. A 7-month period beginning 3 months before the month of the
beneficiary's 65th birthday, including the birthday month, and ending 3 months
after
RATIONALE: The Initial Enrollment Period (IEP) is a 7-month window that
includes the 3 months before the beneficiary turns 65, the month of their birthday,
and the 3 months after. Enrolling during the first 3 months ensures coverage begins
on the first day of the birthday month.
5. Which of the following individuals is automatically enrolled in Medicare Part
A and Part B?
A. A person who has been receiving Social Security disability benefits for 24 months
B. A person who is 65 and not yet receiving Social Security benefits
C. A person who is 64 and has ESRD
D. A person who is 62 and receiving Social Security benefits
A. A person who has been receiving Social Security disability benefits for 24
months
RATIONALE: Individuals who have been receiving Social Security disability
benefits for 24 months are automatically enrolled in Medicare Part A and Part B.
Enrollment is also automatic for individuals diagnosed with ALS (Lou Gehrig's
disease) and those who are 65 and already receiving Social Security retirement
benefits.
, 6. Mr. Thompson is 68 and has been enrolled in Medicare Part A and Part B. He
currently has coverage through his former employer's retiree health plan. He
asks if he can drop his Part B coverage without penalty. What should you tell
him?
A. Yes, he can drop Part B at any time without penalty
B. No, if he drops Part B, he will have to pay a late enrollment penalty if he re-enrolls
later
C. He can drop Part B only during the Annual Enrollment Period
D. He can drop Part B only if he has a Medigap policy
B. No, if he drops Part B, he will have to pay a late enrollment penalty if he
re-enrolls later
RATIONALE: Beneficiaries who drop Part B and do not have creditable coverage
will face a late enrollment penalty (an additional 10% of the Part B premium for
each full 12-month period they were eligible but not enrolled) when they re-enroll.
7. Mrs. Davis is 66 and currently enrolled in Medicare Part A and Part B. She is
considering enrolling in a Medicare Advantage plan. Which of the following is
true regarding Medicare Advantage plans?
A. Medicare Advantage plans replace Original Medicare and are offered by private
insurance companies
B. Medicare Advantage plans are only available to individuals with Medicare Part A
only
C. Medicare Advantage plans are offered by the federal government
D. Medicare Advantage plans do not cover hospital or medical services
A. Medicare Advantage plans replace Original Medicare and are offered by
private insurance companies
RATIONALE: Medicare Advantage (Part C) plans are offered by private
insurance companies that contract with Medicare. These plans replace Original
