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AHIP 2025 Exam Answers Verified for Guaranteed Success 2024/2025

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AHIP 2025 Exam Answers Verified for Guaranteed Success 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 exam answers verified for guaranteed suc

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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) in the context of health insurance?
a) To expand access to affordable health insurance
b) To decrease the number of health insurance companies
c) To limit insurance coverage to only low-income individuals
d) To eliminate Medicaid entirely
Answer: a) To expand access to affordable health insurance
Rationale: The primary goal of the ACA was to expand access to
affordable health insurance for all Americans, particularly for those who
were previously uninsured or underinsured. This included measures like
Medicaid expansion and the establishment of health insurance
marketplaces.


2. What is a Health Maintenance Organization (HMO)?
a) A type of health plan that offers comprehensive coverage with no
restrictions
b) A type of health plan where members are required to choose a
primary care physician
c) A type of health plan that allows patients to see any specialist
without a referral
d) A government-run health insurance program
Answer: b) A type of health plan where members are required to
choose a primary care physician
Rationale: An HMO requires members to select a primary care
physician (PCP) who coordinates all of their healthcare. Referrals are
often needed for specialist visits, and members must use a network of
providers for the best coverage.

,3. Which of the following is a characteristic of a Preferred Provider
Organization (PPO) plan?
a) Members must receive care exclusively from network providers.
b) No referrals are needed for specialists.
c) Members pay the same premium regardless of which providers they
use.
d) Care outside the network is not covered.
Answer: b) No referrals are needed for specialists.
Rationale: PPO plans offer more flexibility than HMOs. They allow
members to see any healthcare provider without needing a referral,
although care outside the network may be more expensive.


4. Under the Affordable Care Act, which of the following essential
health benefits are required to be covered by most health insurance
plans?
a) Cosmetic surgery
b) Dental and vision care for adults
c) Preventive and wellness services
d) All types of over-the-counter medications
Answer: c) Preventive and wellness services
Rationale: The ACA requires that most health insurance plans cover
essential health benefits, including preventive and wellness services like
vaccinations and screenings. However, cosmetic surgery and adult
dental/vision care are not mandatory benefits.

,5. What does the term "premium" refer to in health insurance?
a) The cost of healthcare services covered by insurance
b) The amount an insured individual must pay for medical services
c) The amount paid by the insured periodically to maintain coverage
d) The maximum amount an insurance policy will pay for a claim
Answer: c) The amount paid by the insured periodically to maintain
coverage
Rationale: A premium is the amount a policyholder must pay
periodically (usually monthly or annually) to maintain their health
insurance coverage.


6. Which of the following is an example of a government-funded
health insurance program?
a) PPO
b) Medicaid
c) HMO
d) COBRA
Answer: b) Medicaid
Rationale: Medicaid is a joint federal and state program that provides
health coverage to low-income individuals, families, and people with
disabilities. It is funded and administered by the government.


7. Which of the following is true about the Health Insurance
Marketplace established by the Affordable Care Act?
a) It is only available for individuals with pre-existing conditions.
b) It helps individuals compare health plans and purchase insurance.

, c) It offers only employer-sponsored health plans.
d) It is only for people above the poverty line.
Answer: b) It helps individuals compare health plans and purchase
insurance.
Rationale: The Health Insurance Marketplace (also known as the
Exchange) allows individuals and families to compare different health
insurance plans and purchase coverage, often with subsidies based on
income.


8. Which of the following is the main function of Medicare?
a) To provide health insurance coverage for people under the age of 65
b) To provide health insurance coverage for veterans
c) To provide health insurance coverage for seniors and certain disabled
individuals
d) To offer health insurance to low-income individuals and families
Answer: c) To provide health insurance coverage for seniors and certain
disabled individuals
Rationale: Medicare is a federal program that primarily provides health
insurance for individuals aged 65 and older, as well as certain younger
individuals with disabilities.


9. What is the "deductible" in a health insurance policy?
a) The amount the insurer will pay for each claim
b) The total amount the insured has to pay before insurance starts
covering costs
c) The monthly amount paid to maintain the insurance policy

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