AHIP Final Exam 2025/2026: 50 Verified
Q&A (Latest)
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 at age 65. Those under 65 may qualify with
certain disabilities, ESRD, or ALS.
2. 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: Premium-free Part A requires 40 quarters of Medicare-covered employment.
,3. 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: Part A covers inpatient hospital stays, SNF care, hospice, and some home
health.
4. 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: Part B covers physician services, outpatient care, DME, and preventive services.
5. What is the standard monthly premium for Medicare Part B based upon?
A) The beneficiary's zip code
B) The beneficiary's modified adjusted gross income (MAGI)
C) The beneficiary's health status and pre-existing conditions
D) The number of years the beneficiary has been retired
Correct Answer: B
Rationale: Higher-income beneficiaries pay a higher Part B premium based on IRMAA.
6. What percentage of the Medicare-approved amount does a beneficiary typically
pay for Part B covered services after meeting their annual deductible?
A) 10%
, B) 20%
C) 30%
D) 50%
Correct Answer: B
Rationale: Under Original Medicare Part B, the beneficiary is responsible for 20%
coinsurance after the deductible.
7. What is another common name for Medicare Part C plans?
A) Medicare Supplement Plans
B) Medicare Advantage Plans
C) Standalone Prescription Drug Plans
D) Medicaid Wrap Plans
Correct Answer: B
Rationale: Part C is officially known as Medicare Advantage.
8. What is the primary purpose of Medicare Part D?
A) To cover extended hospitalizations
B) To provide optional outpatient prescription drug coverage
C) To cover dental, vision, and hearing hardware
D) To offer international travel medical insurance
Correct Answer: B
Rationale: Part D provides outpatient prescription drug coverage through private plans.
9. Which type of plan is a standalone option that adds drug coverage to Original
Medicare?
A) MA-PD
B) PDP
C) PPO
Q&A (Latest)
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 at age 65. Those under 65 may qualify with
certain disabilities, ESRD, or ALS.
2. 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: Premium-free Part A requires 40 quarters of Medicare-covered employment.
,3. 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: Part A covers inpatient hospital stays, SNF care, hospice, and some home
health.
4. 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: Part B covers physician services, outpatient care, DME, and preventive services.
5. What is the standard monthly premium for Medicare Part B based upon?
A) The beneficiary's zip code
B) The beneficiary's modified adjusted gross income (MAGI)
C) The beneficiary's health status and pre-existing conditions
D) The number of years the beneficiary has been retired
Correct Answer: B
Rationale: Higher-income beneficiaries pay a higher Part B premium based on IRMAA.
6. What percentage of the Medicare-approved amount does a beneficiary typically
pay for Part B covered services after meeting their annual deductible?
A) 10%
, B) 20%
C) 30%
D) 50%
Correct Answer: B
Rationale: Under Original Medicare Part B, the beneficiary is responsible for 20%
coinsurance after the deductible.
7. What is another common name for Medicare Part C plans?
A) Medicare Supplement Plans
B) Medicare Advantage Plans
C) Standalone Prescription Drug Plans
D) Medicaid Wrap Plans
Correct Answer: B
Rationale: Part C is officially known as Medicare Advantage.
8. What is the primary purpose of Medicare Part D?
A) To cover extended hospitalizations
B) To provide optional outpatient prescription drug coverage
C) To cover dental, vision, and hearing hardware
D) To offer international travel medical insurance
Correct Answer: B
Rationale: Part D provides outpatient prescription drug coverage through private plans.
9. Which type of plan is a standalone option that adds drug coverage to Original
Medicare?
A) MA-PD
B) PDP
C) PPO
