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Exam (elaborations)

Certified AHIP 2025 Exam Answers for Guaranteed Success

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Certified AHIP 2025 Exam Answers for Guaranteed Success

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  • June 11, 2024
  • December 25, 2024
  • 10
  • 2023/2024
  • Exam (elaborations)
  • Questions & answers

Subjects

  • certified ahip 2025 exam answers for guaranteed su

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  • Ahip
  • Ahip

3  reviews

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By: alex71 • 4 months ago

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By: TheAlphanurse • 5 months ago

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

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By: kihumba • 5 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 government control over healthcare
B) To expand health insurance coverage and reduce healthcare costs
C) To eliminate private health insurance companies
D) To increase the number of uninsured individuals
Answer: B) To expand health insurance coverage and reduce healthcare
costs
Rationale: The ACA was designed to provide more Americans with
access to affordable health insurance, reduce healthcare costs, and
expand Medicaid eligibility. It aims to decrease the number of
uninsured individuals by improving access to health coverage.


2. Which of the following is NOT a requirement of health insurance
plans under the Affordable Care Act?
A) Coverage of essential health benefits
B) No exclusions for pre-existing conditions
C) Offering coverage only to individuals aged 50 and older
D) Providing preventative services without cost-sharing
Answer: C) Offering coverage only to individuals aged 50 and older
Rationale: The ACA requires health plans to cover essential health
benefits, eliminate exclusions for pre-existing conditions, and offer
preventative services at no additional cost to the insured. It does not
restrict coverage to individuals aged 50 and older.


3. What is a Health Maintenance Organization (HMO)?

,A) A type of health insurance plan that offers a high level of flexibility in
choosing healthcare providers
B) A managed care plan that requires members to get care from in-
network providers
C) A government program for individuals with low income
D) A type of insurance that only covers emergency care
Answer: B) A managed care plan that requires members to get care
from in-network providers
Rationale: HMO plans require members to choose a primary care
physician (PCP) and get referrals to see specialists. Care is typically only
covered if it is provided within the HMO network, except in
emergencies.


4. Which of the following best defines a deductible in a health
insurance plan?
A) The amount an insured person pays before the insurance company
starts to pay
B) The monthly premium paid to maintain coverage
C) The percentage of costs an insured person pays after meeting the
deductible
D) The amount an insurance company pays for a service
Answer: A) The amount an insured person pays before the insurance
company starts to pay
Rationale: A deductible is the amount a policyholder must pay out-of-
pocket before the insurer begins to cover healthcare costs.

,5. Which type of health insurance plan typically has the lowest
premiums but requires higher out-of-pocket costs when accessing
care?
A) Preferred Provider Organization (PPO)
B) Health Maintenance Organization (HMO)
C) High Deductible Health Plan (HDHP)
D) Exclusive Provider Organization (EPO)
Answer: C) High Deductible Health Plan (HDHP)
Rationale: HDHPs are designed to have lower monthly premiums, but
they come with higher deductibles and out-of-pocket costs before
coverage kicks in. They often pair with Health Savings Accounts (HSAs).


6. What is the purpose of the "individual mandate" under the
Affordable Care Act (ACA)?
A) To require all individuals to buy health insurance or pay a tax penalty
B) To provide free healthcare services to low-income individuals
C) To limit the number of people who can purchase insurance
D) To eliminate Medicaid coverage for individuals with higher incomes
Answer: A) To require all individuals to buy health insurance or pay a
tax penalty
Rationale: The individual mandate required that most Americans have
health insurance or pay a tax penalty, which aimed to increase the
number of insured individuals and prevent people from waiting until
they are sick to purchase coverage. This mandate was effectively
eliminated starting in 2019 for most states.


7. Which of the following statements about Medicare is true?

, A) Medicare is only available to individuals over the age of 75
B) Medicare is a federal program primarily for people aged 65 and older
C) Medicare provides coverage for dental and vision care for all
enrollees
D) Medicare is offered by private insurance companies
Answer: B) Medicare is a federal program primarily for people aged 65
and older
Rationale: Medicare is a federal health insurance program that provides
coverage primarily for individuals aged 65 and older, as well as for some
younger individuals with disabilities or specific health conditions.


8. What is a premium in health insurance?
A) The cost-sharing amount the insured person pays at each visit
B) The annual amount an insured person must pay before their health
insurance coverage begins
C) The monthly amount paid to maintain health insurance coverage
D) The portion of costs an insured person pays after reaching the
deductible
Answer: C) The monthly amount paid to maintain health insurance
coverage
Rationale: A premium is the amount an individual or employer pays
monthly (or annually) to maintain an active health insurance policy.


9. Which of the following is a key feature of the "Affordable Care Act
(ACA) Marketplace"?
A) It allows individuals to purchase government-subsidized health
insurance through state and federal exchanges

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