Page 1 of 163
UHC MEDICARE BASICS EXAM NEWEST
2026 ACTUAL EXAM COMPLETE 90
QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) |ALREADY
GRADED A+
1. A patient turns 65 on November 20, 2024. What are the
dates of their Initial Enrollment Period (IEP)?
A) August 1, 2024 – November 30, 2024
B) September 1, 2024 – February 28, 2025
C) August 1, 2024 – February 28, 2025
D) November 1, 2024 – May 31, 2025
Rationale: IEP is 7 months: 3 months before, the birthday
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month, and 3 months after. November birthday → August (3
months before) through February (3 months after).
2. Which patient automatically gets Medicare Part A and B at
age 65?
A) A 65-year-old who never worked but whose spouse did not
pay Medicare taxes
B) A 65-year-old already receiving Social Security benefits
for at least 4 months
C) A 65-year-old still working for an employer with 10
employees
D) A 65-year-old who filed for Social Security at age 64 but
was denied
Rationale: Individuals already receiving Social Security
benefits are auto-enrolled in Part A (premium-free if they
have 40+ credits) and Part B (premium applies unless they opt
out).
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3. Mr. Jones has ESRD and needs dialysis. When does his
Medicare coverage begin?
A) First day of dialysis
B) First day of the 4th month of dialysis
C) After 24 months of dialysis
D) Only after a kidney transplant
Rationale: For ESRD patients not yet eligible by
age/disability, Medicare begins the first day of the 4th month
of a regular course of dialysis. A transplant may trigger
earlier coverage in some cases.
4. Ms. Lee has ALS (Lou Gehrig’s disease). When does
Medicare start?
A) After 5 months of disability
B) The first month she receives SSDI (no 24-month waiting
period)
C) After 12 months of disability
D) At age 65 regardless of disability
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Rationale: ALS eliminates the 24-month waiting period for
Medicare. Coverage begins the first month of SSDI entitlement.
5. A patient missed their IEP and wants Part B in May 2024.
What are their options?
A) Enroll during General Enrollment Period (Jan 1–Mar 31,
2024) with coverage starting July 1, 2024
B) Enroll during General Enrollment Period (Apr 1–Jun 30,
2024) with coverage starting July 1, 2024
C) Enroll during General Enrollment Period (Jan 1–Mar 31,
2024) with coverage starting July 1, 2024
D) Wait until the next IEP at age 66
Rationale: GEP is Jan 1–Mar 31. Coverage begins July 1.
Late enrollment penalty (10% per 12-month period without
Part B) applies.
6. What is the Part B late enrollment penalty if a beneficiary
goes 24 months without Part B after their IEP?
A) 10% of the premium for 2 years
UHC MEDICARE BASICS EXAM NEWEST
2026 ACTUAL EXAM COMPLETE 90
QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) |ALREADY
GRADED A+
1. A patient turns 65 on November 20, 2024. What are the
dates of their Initial Enrollment Period (IEP)?
A) August 1, 2024 – November 30, 2024
B) September 1, 2024 – February 28, 2025
C) August 1, 2024 – February 28, 2025
D) November 1, 2024 – May 31, 2025
Rationale: IEP is 7 months: 3 months before, the birthday
,Page 2 of 163
month, and 3 months after. November birthday → August (3
months before) through February (3 months after).
2. Which patient automatically gets Medicare Part A and B at
age 65?
A) A 65-year-old who never worked but whose spouse did not
pay Medicare taxes
B) A 65-year-old already receiving Social Security benefits
for at least 4 months
C) A 65-year-old still working for an employer with 10
employees
D) A 65-year-old who filed for Social Security at age 64 but
was denied
Rationale: Individuals already receiving Social Security
benefits are auto-enrolled in Part A (premium-free if they
have 40+ credits) and Part B (premium applies unless they opt
out).
,Page 3 of 163
3. Mr. Jones has ESRD and needs dialysis. When does his
Medicare coverage begin?
A) First day of dialysis
B) First day of the 4th month of dialysis
C) After 24 months of dialysis
D) Only after a kidney transplant
Rationale: For ESRD patients not yet eligible by
age/disability, Medicare begins the first day of the 4th month
of a regular course of dialysis. A transplant may trigger
earlier coverage in some cases.
4. Ms. Lee has ALS (Lou Gehrig’s disease). When does
Medicare start?
A) After 5 months of disability
B) The first month she receives SSDI (no 24-month waiting
period)
C) After 12 months of disability
D) At age 65 regardless of disability
, Page 4 of 163
Rationale: ALS eliminates the 24-month waiting period for
Medicare. Coverage begins the first month of SSDI entitlement.
5. A patient missed their IEP and wants Part B in May 2024.
What are their options?
A) Enroll during General Enrollment Period (Jan 1–Mar 31,
2024) with coverage starting July 1, 2024
B) Enroll during General Enrollment Period (Apr 1–Jun 30,
2024) with coverage starting July 1, 2024
C) Enroll during General Enrollment Period (Jan 1–Mar 31,
2024) with coverage starting July 1, 2024
D) Wait until the next IEP at age 66
Rationale: GEP is Jan 1–Mar 31. Coverage begins July 1.
Late enrollment penalty (10% per 12-month period without
Part B) applies.
6. What is the Part B late enrollment penalty if a beneficiary
goes 24 months without Part B after their IEP?
A) 10% of the premium for 2 years
