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Pass the AHIP 2025 Exam Easily with Verified Answers
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Pass the AHIP 2025 Exam Easily with Verified Answers
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Par: alex71 • 7 mois de cela
Par: TheAlphanurse • 8 mois de cela
GREAT DOC!! DETAILED ANSWERS. VALUE FOR MONEY HONESTLY. GOOD WORK
Par: getAs • 8 mois de cela
GREAT DOCUMENT. VERIFIED EXAM QUESTIONS. GREAT VALUE FOR MONEY
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1. What is the primary purpose of the Affordable Care Act (ACA)?A) To eliminate private health insurance
B) To provide subsidies to help people afford health insurance
C) To increase the number of uninsured Americans
D) To reduce the number of Medicaid enrollees
Answer: B) To provide subsidies to help people afford health insurance
Rationale: The ACA aimed to increase the quality and affordability of
health insurance, expand Medicaid, and reduce the number of
uninsured Americans by providing subsidies to help people afford
coverage through the health insurance marketplace.
2. Which of the following is true about the Medicare program?
A) It provides coverage only for people under the age of 65.
B) It is a joint federal and state program.
C) It is primarily for people aged 65 and older.
D) It is optional for individuals aged 65 and older.
Answer: C) It is primarily for people aged 65 and older.
Rationale: Medicare is a federal program designed to provide health
insurance primarily for individuals aged 65 and older, regardless of
income. It also covers certain younger individuals with disabilities or
specific diseases like end-stage renal disease.
3. Which of the following is NOT a type of health insurance plan
typically offered under the Health Insurance Marketplace (HIM)?
A) Preferred Provider Organization (PPO)
B) Health Maintenance Organization (HMO)
,C) Exclusive Provider Organization (EPO)
D) Medicaid
Answer: D) Medicaid
Rationale: Medicaid is a government program, not a private health
insurance plan. The Health Insurance Marketplace offers plans like
PPOs, HMOs, and EPOs, which are different types of private insurance
plans.
4. Which of the following is a requirement for individual health
insurance coverage under the Affordable Care Act?
A) All individuals must purchase insurance through their employer.
B) Insurance companies are allowed to deny coverage based on pre-
existing conditions.
C) Insurance companies are required to offer a range of essential health
benefits.
D) Health plans must only cover individuals under 50 years of age.
Answer: C) Insurance companies are required to offer a range of
essential health benefits.
Rationale: The ACA mandates that health insurance plans must cover a
set of 10 essential health benefits, including emergency services,
maternity care, and prescription drugs, among others. This was
designed to improve the comprehensiveness and affordability of health
insurance.
5. Which of the following is NOT a component of Medicaid eligibility?
A) Income level
B) Age
,C) Disability status
D) Employer-sponsored insurance availability
Answer: D) Employer-sponsored insurance availability
Rationale: Medicaid eligibility is primarily based on income level, age
(for individuals under 65 with low income), and disability status.
Availability of employer-sponsored insurance is not a factor in Medicaid
eligibility.
6. What does the term "premium" refer to in a health insurance
policy?
A) The amount you pay when you visit the doctor
B) The deductible amount you need to meet before the insurer starts
paying
C) The monthly amount you pay for health insurance coverage
D) The percentage of costs you pay after reaching your deductible
Answer: C) The monthly amount you pay for health insurance coverage
Rationale: The premium is the fixed monthly fee that individuals must
pay to maintain their health insurance coverage, regardless of whether
they use medical services or not.
7. Which of the following is a requirement for Medicaid expansion
under the Affordable Care Act?
A) States must offer the same coverage for all enrollees.
B) States must expand Medicaid to all individuals with incomes up to
138% of the federal poverty level.
C) Medicaid expansion must be funded entirely by the federal
, government.
D) Medicaid expansion requires individuals to purchase insurance.
Answer: B) States must expand Medicaid to all individuals with incomes
up to 138% of the federal poverty level.
Rationale: The ACA offered Medicaid expansion to states, covering
individuals with incomes up to 138% of the federal poverty level. While
federal funding covers a large portion of the expansion costs, states
have the option to expand or not, leading to variability across states.
8. What is a "High Deductible Health Plan" (HDHP)?
A) A plan with a low deductible and high premium
B) A plan with a high deductible and lower monthly premiums
C) A plan with no deductible but high copayments
D) A plan that does not cover prescription medications
Answer: B) A plan with a high deductible and lower monthly premiums
Rationale: High Deductible Health Plans (HDHPs) typically feature lower
monthly premiums but require individuals to pay a higher deductible
before the insurance plan begins to pay for medical expenses.
9. Which of the following is typically NOT covered under the standard
Medicare Part A?
A) Hospital inpatient stays
B) Skilled nursing care after hospitalization
C) Prescription drugs
D) Hospice care
Answer: C) Prescription drugs
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