AHIP PASS PACK – Final Exam Bundle 2025-2026 .
Question 1
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed
full time, and paid taxes during that entire period. She is concerned that she will
not qualify for coverage under Part A because she was not born in the United
States. What should you tell her?
A) Most individuals who are citizens and over age 65 are covered under Part A by
virtue of having paid Medicare taxes while working, though some may be covered
as a result of paying monthly premiums.
B) Most individuals who are citizens and over age 65 and wish to be covered
under Part A must enroll in a Medicare Health Plan.
C) Most individuals who are citizens and over age 65 and are covered under Part A
must pay a monthly premium for that coverage.
D) All individuals who are citizens and over age 65 will be covered under Part A.
Answer: A
Rationale: Part A coverage is based on work history and payment of Medicare
taxes, not country of birth. Most citizens aged 65+ who have worked and paid
taxes qualify for premium-free Part A. Those who do not have sufficient work
history may still obtain Part A by paying a monthly premium.
,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 due to his age.
B) He can qualify immediately because of his disability status.
C) He must wait until age 65 like everyone else.
D) After receiving such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
Answer: D
Rationale: Individuals under age 65 who have received Social Security disability
benefits for 24 months become eligible for Medicare automatically. This is a key
exception to the age-65 rule.
Question 3
Mr. Denton is 52 years old and has recently been diagnosed with end-stage renal
disease (ESRD) and will soon begin dialysis. He is wondering if he can obtain
coverage under Medicare. What should you tell him?
,A) He may sign up for Medicare at any time; however, coverage usually begins on
the fourth month after dialysis treatments start.
B) He must wait until age 65 to qualify.
C) ESRD patients are not eligible for Medicare.
D) He can only qualify if he also has a disability.
Answer: A
Rationale: Individuals with ESRD are eligible for Medicare regardless of age.
Coverage typically begins the fourth month after a course of regular dialysis
begins. There is no requirement to also be disabled.
Question 4
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?
A) In order to obtain Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes.
B) Both Part A and Part B are free for everyone at age 65.
C) She must pay premiums for both Part A and Part B.
, D) Part A requires a premium regardless of work history.
Answer: A
Rationale: While Part A is premium-free for most beneficiaries based on work
history, Part B always requires a monthly premium. The standard premium is
income-adjusted, with higher-income beneficiaries paying more.
Question 5
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?
A) He will pay the standard penalty of 10% per year of delay.
B) Mr. Diaz will not pay any penalty because he had continuous coverage under
his employer's plan.
C) He will pay a penalty of 50% of the premium.
D) The penalty only applies if he delayed Part A enrollment.
Answer: B
Question 1
Mrs. Chen will be 65 soon, has been a citizen for twelve years, has been employed
full time, and paid taxes during that entire period. She is concerned that she will
not qualify for coverage under Part A because she was not born in the United
States. What should you tell her?
A) Most individuals who are citizens and over age 65 are covered under Part A by
virtue of having paid Medicare taxes while working, though some may be covered
as a result of paying monthly premiums.
B) Most individuals who are citizens and over age 65 and wish to be covered
under Part A must enroll in a Medicare Health Plan.
C) Most individuals who are citizens and over age 65 and are covered under Part A
must pay a monthly premium for that coverage.
D) All individuals who are citizens and over age 65 will be covered under Part A.
Answer: A
Rationale: Part A coverage is based on work history and payment of Medicare
taxes, not country of birth. Most citizens aged 65+ who have worked and paid
taxes qualify for premium-free Part A. Those who do not have sufficient work
history may still obtain Part A by paying a monthly premium.
,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 due to his age.
B) He can qualify immediately because of his disability status.
C) He must wait until age 65 like everyone else.
D) After receiving such disability payments for 24 months, he will be automatically
enrolled in Medicare, regardless of age.
Answer: D
Rationale: Individuals under age 65 who have received Social Security disability
benefits for 24 months become eligible for Medicare automatically. This is a key
exception to the age-65 rule.
Question 3
Mr. Denton is 52 years old and has recently been diagnosed with end-stage renal
disease (ESRD) and will soon begin dialysis. He is wondering if he can obtain
coverage under Medicare. What should you tell him?
,A) He may sign up for Medicare at any time; however, coverage usually begins on
the fourth month after dialysis treatments start.
B) He must wait until age 65 to qualify.
C) ESRD patients are not eligible for Medicare.
D) He can only qualify if he also has a disability.
Answer: A
Rationale: Individuals with ESRD are eligible for Medicare regardless of age.
Coverage typically begins the fourth month after a course of regular dialysis
begins. There is no requirement to also be disabled.
Question 4
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?
A) In order to obtain Part B coverage, she must pay a standard monthly premium,
though it is higher for individuals with higher incomes.
B) Both Part A and Part B are free for everyone at age 65.
C) She must pay premiums for both Part A and Part B.
, D) Part A requires a premium regardless of work history.
Answer: A
Rationale: While Part A is premium-free for most beneficiaries based on work
history, Part B always requires a monthly premium. The standard premium is
income-adjusted, with higher-income beneficiaries paying more.
Question 5
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?
A) He will pay the standard penalty of 10% per year of delay.
B) Mr. Diaz will not pay any penalty because he had continuous coverage under
his employer's plan.
C) He will pay a penalty of 50% of the premium.
D) The penalty only applies if he delayed Part A enrollment.
Answer: B
