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AHIP CERTIFICATION 2025 FINAL EXAM QUESTIONS AND DETAILED ANSWERS| LATEST VERSIONS £14.92
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AHIP CERTIFICATION 2025 FINAL EXAM QUESTIONS AND DETAILED ANSWERS| LATEST VERSIONS

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AHIP CERTIFICATION 2025 FINAL EXAM QUESTIONS AND DETAILED ANSWERS| LATEST VERSIONS

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

Subjects

  • ahip certification 2025 final exam questions and d

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  • Ahip
  • Ahip

3  reviews

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By: alex71 • 5 months ago

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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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Question 1:
Which of the following is the primary goal of the Affordable Care Act
(ACA)?
A) To eliminate all private health insurance
B) To increase the affordability and accessibility of health insurance
C) To reduce government involvement in healthcare
D) To provide universal healthcare for all U.S. residents
Answer: B) To increase the affordability and accessibility of health
insurance
Rationale: The primary goal of the Affordable Care Act (ACA) is to make
health insurance more affordable and accessible by expanding
Medicaid, establishing health insurance marketplaces, and providing
subsidies to individuals and families who meet certain income criteria.
It does not eliminate private insurance or provide universal healthcare.


Question 2:
Medicare Part D provides coverage for:
A) Hospital stays
B) Prescription drugs
C) Routine dental care
D) Mental health services
Answer: B) Prescription drugs
Rationale: Medicare Part D is designed to provide prescription drug
coverage to Medicare beneficiaries. It helps lower the cost of
prescription medications and protects against high drug costs.

,Question 3:
What is a characteristic of a Health Maintenance Organization (HMO)?
A) Requires members to use a primary care physician (PCP) for referrals
B) Offers a wide range of out-of-network options
C) Typically has higher premiums compared to other plans
D) Offers a flexible spending account (FSA) for medical expenses
Answer: A) Requires members to use a primary care physician (PCP)
for referrals
Rationale: HMO plans typically require members to select a primary
care physician (PCP) and obtain referrals for specialist care. These plans
emphasize preventative care and often have lower premiums but
limited network options.


Question 4:
Which of the following is NOT a benefit of a high-deductible health
plan (HDHP)?
A) Lower monthly premiums
B) Eligibility for Health Savings Accounts (HSAs)
C) Higher out-of-pocket costs before insurance coverage kicks in
D) Lower overall healthcare costs for individuals with high medical
expenses
Answer: D) Lower overall healthcare costs for individuals with high
medical expenses
Rationale: HDHPs have lower monthly premiums but higher deductibles
and out-of-pocket costs. While they offer tax-advantaged Health Savings
Accounts (HSAs), individuals with high medical expenses may end up
paying more due to the higher deductibles before insurance kicks in.

,Question 5:
What does the term "pre-existing condition" refer to in health
insurance?
A) A medical condition that arises after enrolling in the plan
B) A condition that existed before applying for health insurance
C) Any chronic illness treated during the insurance coverage period
D) A condition that results from accidents or injuries
Answer: B) A condition that existed before applying for health
insurance
Rationale: A pre-existing condition refers to any medical condition that
existed before an individual applied for or enrolled in a health insurance
plan. Under the ACA, insurers are prohibited from denying coverage
based on pre-existing conditions.


Question 6:
Which of the following best describes the concept of "co-insurance"?
A) The amount an individual must pay for covered healthcare services
before insurance starts to pay
B) The fixed amount a policyholder must pay for each visit to a doctor
C) The percentage of healthcare costs that a policyholder pays after
reaching the deductible
D) A flat fee for a covered healthcare service, regardless of the service's
cost
Answer: C) The percentage of healthcare costs that a policyholder
pays after reaching the deductible

, Rationale: Co-insurance is the percentage of healthcare costs that the
insured individual must pay after the deductible has been met. For
example, a policyholder might pay 20% of the costs, while the insurance
covers 80%.


Question 7:
Which type of health insurance plan generally allows the greatest
flexibility in choosing healthcare providers?
A) Health Maintenance Organization (HMO)
B) Preferred Provider Organization (PPO)
C) Point of Service (POS)
D) Exclusive Provider Organization (EPO)
Answer: B) Preferred Provider Organization (PPO)
Rationale: PPOs offer the greatest flexibility in choosing healthcare
providers because they allow members to see any doctor or specialist
without requiring referrals, and they provide some coverage for out-of-
network care, though at a higher cost.


Question 8:
Which of the following is a requirement for an individual to be eligible
for a Health Savings Account (HSA)?
A) Must have a high-deductible health plan (HDHP)
B) Must be enrolled in Medicare
C) Must have a family plan with no dependents
D) Must have an employer-sponsored health insurance plan
Answer: A) Must have a high-deductible health plan (HDHP)

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