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AHIP 2025 Final Exam Solutions with Full Verification – Your Guarantee for a Stress-Free Pass in 2024/2025.

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AHIP 2025 Final Exam Solutions with Full Verification – Your Guarantee for a Stress-Free Pass in 2024/2025.

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  • June 11, 2024
  • December 25, 2024
  • 11
  • 2023/2024
  • Exam (elaborations)
  • Questions & answers

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  • ahip 2025 final exam solutions with full verificat

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3  reviews

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By: TheAlphanurse • 6 months ago

GREAT DOC!! DETAILED ANSWERS. VALUE FOR MONEY HONESTLY. GOOD WORK

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By: kihumba • 6 months ago

GREAT DOCUMENT. VERIFIED EXAM QUESTIONS. GREAT VALUE FOR MONEY

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1. Which of the following is the primary purpose of the Affordable
Care Act (ACA)?
A) To increase the number of uninsured Americans
B) To make health insurance more affordable and accessible
C) To reduce the cost of health insurance by eliminating private insurers
D) To provide health insurance only for government employees
Answer: B) To make health insurance more affordable and accessible
Rationale: The Affordable Care Act (ACA) was primarily designed to
make health insurance more affordable and accessible to a larger
portion of the population, especially those without employer-based
health coverage. It includes measures such as the Health Insurance
Marketplace and Medicaid expansion to achieve this goal.


2. What does the term "premium" refer to in health insurance?
A) The amount the insured pays for medical services
B) The amount an insurance company pays for a claim
C) The regular payment made to an insurer for coverage
D) The total value of health services covered by the plan
Answer: C) The regular payment made to an insurer for coverage
Rationale: A premium is the fixed amount that an individual or
employer must pay to an insurance company, usually monthly,
quarterly, or annually, in exchange for health insurance coverage.


3. Under the ACA, which of the following is true regarding pre-existing
conditions?

,A) Insurance companies can deny coverage for individuals with pre-
existing conditions
B) Insurers can charge higher premiums for individuals with pre-existing
conditions
C) Insurance companies must cover individuals with pre-existing
conditions without charging higher premiums
D) Insurance companies must offer a limited coverage plan for
individuals with pre-existing conditions
Answer: C) Insurance companies must cover individuals with pre-
existing conditions without charging higher premiums
Rationale: The ACA prohibits insurance companies from denying
coverage or charging higher premiums based on pre-existing conditions.
This was a major reform under the ACA to prevent discrimination
against individuals with health conditions.


4. What is the main function of the Health Insurance Marketplace
under the ACA?
A) To provide insurance for government employees only
B) To allow consumers to shop for and compare health insurance plans
C) To fund healthcare programs for low-income individuals
D) To regulate health insurance rates across all states
Answer: B) To allow consumers to shop for and compare health
insurance plans
Rationale: The Health Insurance Marketplace is a service that helps
individuals, families, and small businesses to shop for and compare
health insurance plans. It was created by the ACA to facilitate access to
affordable health coverage.

,5. Which of the following is NOT typically covered by a standard
health insurance plan?
A) Preventive care
B) Emergency services
C) Cosmetic surgery for aesthetic purposes
D) Prescription medications
Answer: C) Cosmetic surgery for aesthetic purposes
Rationale: Standard health insurance plans typically cover necessary
medical services like preventive care, emergency services, and
prescription medications. Cosmetic surgery, unless deemed medically
necessary (such as reconstructive surgery after an accident), is generally
not covered.


6. What does the term "deductible" refer to in a health insurance
plan?
A) The maximum amount an insurance company will pay for a claim
B) The amount an insured person must pay before insurance starts to
cover expenses
C) The fixed amount paid periodically to the insurer for coverage
D) The percentage of medical expenses that an individual must pay after
meeting the deductible
Answer: B) The amount an insured person must pay before insurance
starts to cover expenses
Rationale: The deductible is the amount the insured individual must
pay out-of-pocket for health services before the insurance company
begins to contribute to covered medical expenses.

, 7. What is the purpose of a Health Savings Account (HSA)?
A) To provide tax-free savings for retirement
B) To help individuals save money for healthcare expenses
C) To pay for life insurance premiums
D) To cover non-medical expenses tax-free
Answer: B) To help individuals save money for healthcare expenses
Rationale: A Health Savings Account (HSA) is a tax-advantaged account
designed to help individuals save money specifically for qualified
medical expenses. It is often paired with a high-deductible health plan
(HDHP).


8. What is the term for the process of an insurance company
reviewing a claim to determine whether the treatment provided is
medically necessary?
A) Pre-certification
B) Underwriting
C) Utilization review
D) Co-payment analysis
Answer: C) Utilization review
Rationale: Utilization review is the process used by insurance
companies to assess whether medical treatments, procedures, or
services are medically necessary and meet the insurer’s criteria for
coverage.


9. Which of the following statements is true regarding Medicaid?

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