AHIP
Final Exam Newest 2026 | Medicare Certification
Practice Questions, Answers & Detailed
Rationales
RESOURCE FEATURES
• AHIP 2026 Final Exam study guide
• Medicare certification practice questions
• Detailed answers and rationale
, AHIP Final Exam Newest 2026 | Medicare
Certification Practice Questions, Answers
& Detailed Rationales
Question 1
Mr. Wu is eligible for Medicare. He has limited financial resources but
failed to qualify for the Part D low-income subsidy. Where might he
turn for help with his prescription drug costs?
A) He may qualify for the Part D low-income subsidy through Medicare
Part B
B) He may still qualify for help in paying Part D costs through his State
Pharmaceutical Assistance Program
C) He has no other options for assistance with prescription drug costs
D) He should apply for Medicaid to receive prescription drug coverage
Correct Answer: B
Rationale: State Pharmaceutical Assistance Programs (SPAPs) are state-
level programs that help eligible beneficiaries pay for prescription drug
costs. Even if someone doesn't qualify for the federal low-income
,subsidy, they may still qualify for assistance through their state's
pharmaceutical assistance program.
Question 2
Mr. Bauer is 49 years old, but eighteen months ago he was declared
disabled by the Social Security Administration and has been receiving
disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him?
A) He will never qualify for Medicare because he is under age 65
B) He can enroll immediately because he has been receiving disability
payments for over 12 months
C) After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age
D) He must wait until he turns 65 to qualify for Medicare
Correct Answer: C
Rationale: Individuals under age 65 who have been receiving Social
Security Disability Insurance (SSDI) benefits for 24 months are
automatically enrolled in Medicare Parts A and B. The 24-month
waiting period begins from the first month of disability benefit
entitlement.
, Question 3
Mildred Savage enrolled in Allcare Medicare Advantage plan several
years ago. Mildred recently learned that she is suffering from
inoperable cancer and has just a few months to live. She would like to
spend these final months in hospice care. Mildred's family asks you
whether hospice benefits will be paid for under the Allcare Medicare
Advantage plan. What should you say?
A) She must disenroll from Allcare to receive hospice benefits
B) Hospice benefits are not covered by Medicare under any
circumstances
C) Mildred may remain enrolled in Allcare and make a hospice election.
Hospice benefits will be paid for by Original Medicare under Part A and
Allcare will continue to pay for any non-hospice services
D) Allcare must cover all hospice services as part of the Medicare
Advantage benefit package
Correct Answer: C
Rationale: When a Medicare Advantage enrollee elects hospice, they
may remain in the MA plan. The hospice benefit is carved out and paid
by Original Medicare Part A, while the MA plan continues to cover non-
hospice services.
Final Exam Newest 2026 | Medicare Certification
Practice Questions, Answers & Detailed
Rationales
RESOURCE FEATURES
• AHIP 2026 Final Exam study guide
• Medicare certification practice questions
• Detailed answers and rationale
, AHIP Final Exam Newest 2026 | Medicare
Certification Practice Questions, Answers
& Detailed Rationales
Question 1
Mr. Wu is eligible for Medicare. He has limited financial resources but
failed to qualify for the Part D low-income subsidy. Where might he
turn for help with his prescription drug costs?
A) He may qualify for the Part D low-income subsidy through Medicare
Part B
B) He may still qualify for help in paying Part D costs through his State
Pharmaceutical Assistance Program
C) He has no other options for assistance with prescription drug costs
D) He should apply for Medicaid to receive prescription drug coverage
Correct Answer: B
Rationale: State Pharmaceutical Assistance Programs (SPAPs) are state-
level programs that help eligible beneficiaries pay for prescription drug
costs. Even if someone doesn't qualify for the federal low-income
,subsidy, they may still qualify for assistance through their state's
pharmaceutical assistance program.
Question 2
Mr. Bauer is 49 years old, but eighteen months ago he was declared
disabled by the Social Security Administration and has been receiving
disability payments. He is wondering whether he can obtain coverage
under Medicare. What should you tell him?
A) He will never qualify for Medicare because he is under age 65
B) He can enroll immediately because he has been receiving disability
payments for over 12 months
C) After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age
D) He must wait until he turns 65 to qualify for Medicare
Correct Answer: C
Rationale: Individuals under age 65 who have been receiving Social
Security Disability Insurance (SSDI) benefits for 24 months are
automatically enrolled in Medicare Parts A and B. The 24-month
waiting period begins from the first month of disability benefit
entitlement.
, Question 3
Mildred Savage enrolled in Allcare Medicare Advantage plan several
years ago. Mildred recently learned that she is suffering from
inoperable cancer and has just a few months to live. She would like to
spend these final months in hospice care. Mildred's family asks you
whether hospice benefits will be paid for under the Allcare Medicare
Advantage plan. What should you say?
A) She must disenroll from Allcare to receive hospice benefits
B) Hospice benefits are not covered by Medicare under any
circumstances
C) Mildred may remain enrolled in Allcare and make a hospice election.
Hospice benefits will be paid for by Original Medicare under Part A and
Allcare will continue to pay for any non-hospice services
D) Allcare must cover all hospice services as part of the Medicare
Advantage benefit package
Correct Answer: C
Rationale: When a Medicare Advantage enrollee elects hospice, they
may remain in the MA plan. The hospice benefit is carved out and paid
by Original Medicare Part A, while the MA plan continues to cover non-
hospice services.
