AHIP
2026 Final Exam | Medicare Certification Practice
Questions, Answers & Detailed Rationales
RESOURCE FEATURES
• AHIP 2026 Final Exam study guide
• Medicare certification practice questions
• Detailed answers and rationale
, AHIP 2026 Final Exam | Medicare
Certification Practice Questions,
Answers & Detailed Rationales
1. 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?
A. 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.
B. Part A, which covers professional services such as those provided by
a doctor, and Part B, which covers hospital, skilled nursing facility,
hospice, and home health services, are covered under Original
Medicare.
C. Original Medicare covers all prescription drug costs, as well as
hospital and doctor services.
D. Original Medicare is a managed care program that provides all health
services through a network of providers.
,Correct Answer: A
Rationale: Original Medicare consists of two parts. Part A is hospital
insurance that covers inpatient hospital stays, skilled nursing facility
care, hospice care, and some home health care. Part B is medical
insurance that covers certain doctors' services, outpatient care, medical
supplies, and preventive services.
2. Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income.
What could you tell Mrs. Cook that might be of assistance?
A. She should contact her state Medicaid agency to see if she qualifies
for one of the several programs that can help with Medicare costs for
which she is responsible.
B. She should purchase a Medigap plan to cover all her out-of-pocket
costs.
C. There are no programs to assist with Medicare costs; she will be
responsible for all premiums and copayments.
D. She should apply for a Medicare Advantage plan, which has no costs
for any beneficiary.
Correct Answer: A
Rationale: Medicare Savings Programs (MSPs) are state-run programs
that help low-income beneficiaries pay for Medicare premiums and, in
, some cases, deductibles, coinsurance, and copayments. Mrs. Cook
should contact her state Medicaid agency to see if she is eligible.
3. Mr. Moy will soon turn age 65. He is slightly younger than his wife.
Mr. Moy's wife has a Medicare Advantage plan, but he wants to
understand what coverage Medicare Supplemental insurance
provides since his health care needs are different from his wife's
needs. What could you tell Mr. Moy?
A. Medicare supplemental insurance would help cover his Part A
deductible and Part B coinsurance or copayments in Original Fee-for-
Service (FFS) Medicare as well as possibly some services that Medicare
does not cover.
B. Medicare supplemental insurance is the same as a Medicare
Advantage plan and provides all the same benefits.
C. Medicare supplemental insurance will only cover his prescription
drug costs.
D. Medicare supplemental insurance is only available to individuals with
low incomes.
Correct Answer: A
Rationale: Medicare Supplement Insurance (Medigap) is sold by private
companies to help pay some of the health care costs that Original
2026 Final Exam | Medicare Certification Practice
Questions, Answers & Detailed Rationales
RESOURCE FEATURES
• AHIP 2026 Final Exam study guide
• Medicare certification practice questions
• Detailed answers and rationale
, AHIP 2026 Final Exam | Medicare
Certification Practice Questions,
Answers & Detailed Rationales
1. 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?
A. 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.
B. Part A, which covers professional services such as those provided by
a doctor, and Part B, which covers hospital, skilled nursing facility,
hospice, and home health services, are covered under Original
Medicare.
C. Original Medicare covers all prescription drug costs, as well as
hospital and doctor services.
D. Original Medicare is a managed care program that provides all health
services through a network of providers.
,Correct Answer: A
Rationale: Original Medicare consists of two parts. Part A is hospital
insurance that covers inpatient hospital stays, skilled nursing facility
care, hospice care, and some home health care. Part B is medical
insurance that covers certain doctors' services, outpatient care, medical
supplies, and preventive services.
2. Mrs. Cook is an elderly retiree. Mrs. Cook has a low fixed income.
What could you tell Mrs. Cook that might be of assistance?
A. She should contact her state Medicaid agency to see if she qualifies
for one of the several programs that can help with Medicare costs for
which she is responsible.
B. She should purchase a Medigap plan to cover all her out-of-pocket
costs.
C. There are no programs to assist with Medicare costs; she will be
responsible for all premiums and copayments.
D. She should apply for a Medicare Advantage plan, which has no costs
for any beneficiary.
Correct Answer: A
Rationale: Medicare Savings Programs (MSPs) are state-run programs
that help low-income beneficiaries pay for Medicare premiums and, in
, some cases, deductibles, coinsurance, and copayments. Mrs. Cook
should contact her state Medicaid agency to see if she is eligible.
3. Mr. Moy will soon turn age 65. He is slightly younger than his wife.
Mr. Moy's wife has a Medicare Advantage plan, but he wants to
understand what coverage Medicare Supplemental insurance
provides since his health care needs are different from his wife's
needs. What could you tell Mr. Moy?
A. Medicare supplemental insurance would help cover his Part A
deductible and Part B coinsurance or copayments in Original Fee-for-
Service (FFS) Medicare as well as possibly some services that Medicare
does not cover.
B. Medicare supplemental insurance is the same as a Medicare
Advantage plan and provides all the same benefits.
C. Medicare supplemental insurance will only cover his prescription
drug costs.
D. Medicare supplemental insurance is only available to individuals with
low incomes.
Correct Answer: A
Rationale: Medicare Supplement Insurance (Medigap) is sold by private
companies to help pay some of the health care costs that Original
