MEDICARE CERTIFICATION • AGENT TRAINING
AHIP FINAL EXAM AND PRACTICE EXAM
Medicare Certification A+
2026/2027
Official-Style Objective Assessment • Medicare Parts A–D, MA, Marketing & Enrollment • Full Rationales
A+ 5 100%
QUESTIONS VERIFIED EXAM DOMAINS COVERED RATIONALES INCLUDED
CATEGORIES
■ Medicare Program Basics & Eligibility
■ Medicare Advantage (Part C) Plans
■ Medicare Part D Prescription Drug Coverage
■ Marketing & Sales Compliance
■ Enrollment Guidance & Special Periods
STUVIAACTUALEXAM
All content original • Aligned to AHIP Medicare training modules • For educational practice only
, SECTION: MEDICARE PROGRAM BASICS & ELIGIBILITY
Q1. A 64-year-old client will turn 65 in three months and has never been enrolled in Medicare. The client asks when the Initial Enrollment Period (IEP)
begins and ends. You correctly explain that the IEP is a seven-month period that:
A. Runs from October 15 through December 7 every year
B. Begins only after Social Security benefits are claimed
C. Starts on the first day of the birthday month and lasts only 30 days
D. Starts three months before the month of the 65th birthday, includes the birthday month, and ends three months after
Correct Answer: D
Rationale: The IEP is the seven-month window centered on the month of eligibility (typically the 65th birthday month): three months before, the birthday month itself, and three months
after.
Q2. A beneficiary enrolled in Original Medicare (Parts A and B) wants to know what Medigap (Medicare Supplement) policies are designed to cover. You
accurately state that Medigap plans primarily help pay:
A. Dental and vision services that Part B excludes
B. Long-term custodial nursing home care
C. Prescription drug costs under Part D
D. Certain cost-sharing amounts such as deductibles, coinsurance, and copayments that Original Medicare does not pay
Correct Answer: D
Rationale: Medigap policies are standardized private insurance products that fill gaps in Original Medicare cost-sharing; they do not replace Part D or cover most long-term custodial
care.
Q3. A client who is still working and covered by a large employer group health plan asks whether Medicare or the employer plan pays first. For an
employer with 20 or more employees, the coordination rule is that:
A. The employer group health plan is primary and Medicare is secondary
B. The plans share costs equally
C. Medicare pays first only for Part A hospital claims
D. Medicare is always primary regardless of employer size
Correct Answer: A
Rationale: When the employer has 20 or more employees, the group health plan is primary payer and Medicare is secondary for beneficiaries age 65 or older who have coverage based on
current employment.
Q4. A beneficiary delayed enrolling in Part B because of active employer coverage. After retiring, the client enters a Special Enrollment Period. You
explain that during this SEP the beneficiary:
A. May enroll in Part B without a late-enrollment penalty if the SEP is used correctly
B. Can enroll only in a Medicare Advantage plan, not Original Medicare
C. Must wait until the next General Enrollment Period and will always face a permanent penalty
D. Is limited to a 30-day window measured from the last day of work
Correct Answer: A
Rationale: Individuals who delay Part B because of qualifying group coverage based on current employment have an eight-month Special Enrollment Period after coverage ends (or
employment ends) and can avoid the late-enrollment penalty if they enroll during that SEP.
Q5. Part A of Medicare primarily helps pay for:
A. Inpatient hospital care, skilled nursing facility care (under qualifying conditions), hospice, and limited home health services
B. Routine dental cleanings and eyeglasses
C. Prescription drugs filled at a retail pharmacy
D. Physician office visits and outpatient services only
Correct Answer: A
Rationale: Part A covers inpatient hospital services, limited skilled nursing facility stays, hospice care, and certain home health services; Part B covers most outpatient and physician
services.
Q6. A 67-year-old client never enrolled in Part B and now faces a late-enrollment penalty. The penalty is calculated as:
A. A flat $50 monthly surcharge regardless of delay length
B. A temporary surcharge that disappears after two years
C. A one-time fee paid at enrollment only
D. An increase of 10% of the standard Part B premium for each full 12-month period the individual was eligible but not enrolled
Correct Answer: D
Rationale: The Part B late-enrollment penalty permanently increases the monthly premium by 10% for each full year of delay beyond the initial eligibility period (subject to limited
exceptions).
STUVIAACTUALEXAM Page 2 of 10 AHIP
AHIP FINAL EXAM AND PRACTICE EXAM
Medicare Certification A+
2026/2027
Official-Style Objective Assessment • Medicare Parts A–D, MA, Marketing & Enrollment • Full Rationales
A+ 5 100%
QUESTIONS VERIFIED EXAM DOMAINS COVERED RATIONALES INCLUDED
CATEGORIES
■ Medicare Program Basics & Eligibility
■ Medicare Advantage (Part C) Plans
■ Medicare Part D Prescription Drug Coverage
■ Marketing & Sales Compliance
■ Enrollment Guidance & Special Periods
STUVIAACTUALEXAM
All content original • Aligned to AHIP Medicare training modules • For educational practice only
, SECTION: MEDICARE PROGRAM BASICS & ELIGIBILITY
Q1. A 64-year-old client will turn 65 in three months and has never been enrolled in Medicare. The client asks when the Initial Enrollment Period (IEP)
begins and ends. You correctly explain that the IEP is a seven-month period that:
A. Runs from October 15 through December 7 every year
B. Begins only after Social Security benefits are claimed
C. Starts on the first day of the birthday month and lasts only 30 days
D. Starts three months before the month of the 65th birthday, includes the birthday month, and ends three months after
Correct Answer: D
Rationale: The IEP is the seven-month window centered on the month of eligibility (typically the 65th birthday month): three months before, the birthday month itself, and three months
after.
Q2. A beneficiary enrolled in Original Medicare (Parts A and B) wants to know what Medigap (Medicare Supplement) policies are designed to cover. You
accurately state that Medigap plans primarily help pay:
A. Dental and vision services that Part B excludes
B. Long-term custodial nursing home care
C. Prescription drug costs under Part D
D. Certain cost-sharing amounts such as deductibles, coinsurance, and copayments that Original Medicare does not pay
Correct Answer: D
Rationale: Medigap policies are standardized private insurance products that fill gaps in Original Medicare cost-sharing; they do not replace Part D or cover most long-term custodial
care.
Q3. A client who is still working and covered by a large employer group health plan asks whether Medicare or the employer plan pays first. For an
employer with 20 or more employees, the coordination rule is that:
A. The employer group health plan is primary and Medicare is secondary
B. The plans share costs equally
C. Medicare pays first only for Part A hospital claims
D. Medicare is always primary regardless of employer size
Correct Answer: A
Rationale: When the employer has 20 or more employees, the group health plan is primary payer and Medicare is secondary for beneficiaries age 65 or older who have coverage based on
current employment.
Q4. A beneficiary delayed enrolling in Part B because of active employer coverage. After retiring, the client enters a Special Enrollment Period. You
explain that during this SEP the beneficiary:
A. May enroll in Part B without a late-enrollment penalty if the SEP is used correctly
B. Can enroll only in a Medicare Advantage plan, not Original Medicare
C. Must wait until the next General Enrollment Period and will always face a permanent penalty
D. Is limited to a 30-day window measured from the last day of work
Correct Answer: A
Rationale: Individuals who delay Part B because of qualifying group coverage based on current employment have an eight-month Special Enrollment Period after coverage ends (or
employment ends) and can avoid the late-enrollment penalty if they enroll during that SEP.
Q5. Part A of Medicare primarily helps pay for:
A. Inpatient hospital care, skilled nursing facility care (under qualifying conditions), hospice, and limited home health services
B. Routine dental cleanings and eyeglasses
C. Prescription drugs filled at a retail pharmacy
D. Physician office visits and outpatient services only
Correct Answer: A
Rationale: Part A covers inpatient hospital services, limited skilled nursing facility stays, hospice care, and certain home health services; Part B covers most outpatient and physician
services.
Q6. A 67-year-old client never enrolled in Part B and now faces a late-enrollment penalty. The penalty is calculated as:
A. A flat $50 monthly surcharge regardless of delay length
B. A temporary surcharge that disappears after two years
C. A one-time fee paid at enrollment only
D. An increase of 10% of the standard Part B premium for each full 12-month period the individual was eligible but not enrolled
Correct Answer: D
Rationale: The Part B late-enrollment penalty permanently increases the monthly premium by 10% for each full year of delay beyond the initial eligibility period (subject to limited
exceptions).
STUVIAACTUALEXAM Page 2 of 10 AHIP
