AHIP Study Guide Key Concepts
for Medicare Coverage and Plans
Exam Study Guide – Practice
Questions with Verified Answers.
GRADED A+. Latest 2026/2027
Update
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,Mr. Schmidt would like to plan for retirement and has asked you what is
covered under Original Fee-for-Service (FFS) Medicare? What could you tell
him?
Choose one answer.
a. Part D, which covers prescription drug services, is covered under Original Medicare.
b. Part A, which covers long term custodial care services, is covered under Original Medicare.
c. Part C, which always covers dental and vision services, is covered under Original
Medicare.
d. Part A, which covers hospital, skilled nursing facility, hospice and home health services and
Part B, which covers professional services such as those provided by a doctor are covered
under Original Medicare.
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a
few weeks. She concerned about having prescription drug coverage. Which of
the following statements provides the best advice?
Choose one answer.
a) Prescription drug coverage can be obtained by purchasing a Medicare Supplement
(Medigap) Plan F policy.
b) Comprehensive prescription drug coverage is now included under Part B of Medicare
c) Prescription drug coverage can be obtained by enrolling in a Medicare
Advantage plan that includes Part D coverage.
d) Comprehensive prescription drug coverage is offered by all Medicare Advantage Plans
(Part C).
Ms. Henderson believes that she will qualify for Medicare coverage when she
turns 65, without paying any premiums, because she has been working for 40
years and paying Medicare taxes. What should you tell her?
Choose one answer.
a. She is correct because she will be covered under Part A, without paying
premiums and she has worked for 40 years so she will not have to pay Part B
premiums.
b. She is correct that she will not have to pay a premium because State programs cover
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, the cost of Part B premiums for all Medicare beneficiaries.
c. Medicare beneficiaries only pay a Part B premium if they are enrolled in a Medicare
Health Plan.
d. In order to obtain Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes.
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, Mr. Diaz continued working with his company and was insured under his
employer’s group plan until he reached age 68. He has heard that there is a
premium penalty for those who did not sign up for Part B when first eligible and
wants to know how much he will have to pay. What should you tell him?
Choose one answer.
a) The penalty will be a permanent 10% increase in his Part B premium for every 12
month period that passed during which he could have enrolled and did not.
b) Mr. Diaz will pay a penalty, which will be a flat amount each year, paid during
the first month of coverage.
c) Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer’s plan.
d) During the first year he is covered under Part B, his premiums will be 10% higher than
they otherwise would be, after which point they will return to normal.
Mrs. Peňa is 66 years old, has coverage under an employer plan and will retire
next year. She heard she must enroll in Part B at the beginning of the year to
ensure no gap in coverage. What can you tell her?
Choose one answer.
a. She may enroll at any time while she is covered under her employer plan, but she will
have a special eight-month enrollment period that differs from the standard general
enrollment period, during which she may enroll in Medicare Part B.
b. She may not enroll in Part B while covered under an employer group health plan and
must wait until the standard general enrollment period after she retires.
c. She may only enroll in Part B during the general enrollment period whether she is retired
or not.
d. She must wait at least 30 days after her employment terminates before she may enroll
in Medicare Part B.
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for Medicare Coverage and Plans
Exam Study Guide – Practice
Questions with Verified Answers.
GRADED A+. Latest 2026/2027
Update
messages.downloaded_by
,Mr. Schmidt would like to plan for retirement and has asked you what is
covered under Original Fee-for-Service (FFS) Medicare? What could you tell
him?
Choose one answer.
a. Part D, which covers prescription drug services, is covered under Original Medicare.
b. Part A, which covers long term custodial care services, is covered under Original Medicare.
c. Part C, which always covers dental and vision services, is covered under Original
Medicare.
d. Part A, which covers hospital, skilled nursing facility, hospice and home health services and
Part B, which covers professional services such as those provided by a doctor are covered
under Original Medicare.
Mrs. Raskin is a widow who will attain aged 65 and enroll in Medicare in just a
few weeks. She concerned about having prescription drug coverage. Which of
the following statements provides the best advice?
Choose one answer.
a) Prescription drug coverage can be obtained by purchasing a Medicare Supplement
(Medigap) Plan F policy.
b) Comprehensive prescription drug coverage is now included under Part B of Medicare
c) Prescription drug coverage can be obtained by enrolling in a Medicare
Advantage plan that includes Part D coverage.
d) Comprehensive prescription drug coverage is offered by all Medicare Advantage Plans
(Part C).
Ms. Henderson believes that she will qualify for Medicare coverage when she
turns 65, without paying any premiums, because she has been working for 40
years and paying Medicare taxes. What should you tell her?
Choose one answer.
a. She is correct because she will be covered under Part A, without paying
premiums and she has worked for 40 years so she will not have to pay Part B
premiums.
b. She is correct that she will not have to pay a premium because State programs cover
messages.downloaded_by
, the cost of Part B premiums for all Medicare beneficiaries.
c. Medicare beneficiaries only pay a Part B premium if they are enrolled in a Medicare
Health Plan.
d. In order to obtain Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes.
messages.downloaded_by
, Mr. Diaz continued working with his company and was insured under his
employer’s group plan until he reached age 68. He has heard that there is a
premium penalty for those who did not sign up for Part B when first eligible and
wants to know how much he will have to pay. What should you tell him?
Choose one answer.
a) The penalty will be a permanent 10% increase in his Part B premium for every 12
month period that passed during which he could have enrolled and did not.
b) Mr. Diaz will pay a penalty, which will be a flat amount each year, paid during
the first month of coverage.
c) Mr. Diaz will not pay any penalty because he had continuous coverage under his
employer’s plan.
d) During the first year he is covered under Part B, his premiums will be 10% higher than
they otherwise would be, after which point they will return to normal.
Mrs. Peňa is 66 years old, has coverage under an employer plan and will retire
next year. She heard she must enroll in Part B at the beginning of the year to
ensure no gap in coverage. What can you tell her?
Choose one answer.
a. She may enroll at any time while she is covered under her employer plan, but she will
have a special eight-month enrollment period that differs from the standard general
enrollment period, during which she may enroll in Medicare Part B.
b. She may not enroll in Part B while covered under an employer group health plan and
must wait until the standard general enrollment period after she retires.
c. She may only enroll in Part B during the general enrollment period whether she is retired
or not.
d. She must wait at least 30 days after her employment terminates before she may enroll
in Medicare Part B.
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