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Ensure a 100% Passing Score on the AHIP 2025 Certification Exam with Verified and Trusted Answers for 2024/2025. $17.99
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Ensure a 100% Passing Score on the AHIP 2025 Certification Exam with Verified and Trusted Answers for 2024/2025.

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Ensure a 100% Passing Score on the AHIP 2025 Certification Exam with Verified and Trusted Answers for 2024/2025.

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

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  • ensure a 100 passing score on the ahip 2025 certi

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

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1. What is the primary purpose of the Affordable Care Act (ACA)?
A) To reduce the number of insurance companies in the U.S.
B) To provide affordable healthcare coverage for all Americans
C) To create a government-run healthcare system
D) To eliminate health insurance fraud
Answer: B) To provide affordable healthcare coverage for all Americans
Rationale: The Affordable Care Act (ACA) was designed to reduce the
number of uninsured Americans by making healthcare coverage more
affordable and accessible. It does this through measures such as health
insurance marketplaces and Medicaid expansion.


2. What does the term "premium" refer to in health insurance?
A) The total cost of healthcare services a policyholder uses in a year
B) A fixed amount paid by the policyholder for health insurance
coverage
C) The deductible an insured individual must pay before insurance kicks
in
D) The amount the insurance company pays to healthcare providers
Answer: B) A fixed amount paid by the policyholder for health
insurance coverage
Rationale: A premium is the amount that policyholders must pay
periodically (typically monthly) to maintain their health insurance
coverage. It does not include out-of-pocket costs like deductibles or
copayments.


3. Under the Affordable Care Act, which of the following is a required
benefit for all individual health insurance policies?

,A) Mental health services
B) Cosmetic surgery
C) Dental coverage for adults
D) Acupuncture treatments
Answer: A) Mental health services
Rationale: The ACA requires all individual health insurance plans to
cover a set of essential health benefits, one of which includes mental
health and substance use disorder services. Cosmetic surgery, dental
coverage for adults, and acupuncture are not required benefits.


4. What is the purpose of a deductible in a health insurance plan?
A) To reduce the premium payments for the policyholder
B) To cover the cost of routine medical services
C) To limit the amount of money an insurance company can pay
D) To share the cost of healthcare between the policyholder and the
insurer
Answer: D) To share the cost of healthcare between the policyholder
and the insurer
Rationale: A deductible is the amount the insured must pay out-of-
pocket for healthcare services before the insurance company starts to
share the cost. It is one way insurance companies manage their risk and
help ensure policyholders have some "skin in the game."


5. Which of the following is true about Medicaid?
A) It is a federal program that covers all U.S. citizens, regardless of
income
B) It is a state and federal program that provides healthcare for low-

,income individuals
C) It is only available to children and the elderly
D) It requires enrollees to pay a monthly premium for coverage
Answer: B) It is a state and federal program that provides healthcare for
low-income individuals
Rationale: Medicaid is a joint federal and state program designed to
provide healthcare to low-income individuals, families, and people with
disabilities. Eligibility and benefits can vary by state, but it is primarily
for individuals with limited financial resources.


6. What does the term "network" mean in health insurance?
A) The list of all healthcare providers in the U.S.
B) A group of healthcare providers that have contracted with an
insurance company
C) The specific medical services an insurance company covers
D) The total number of people covered by a health insurance policy
Answer: B) A group of healthcare providers that have contracted with
an insurance company
Rationale: In health insurance, a "network" refers to a group of doctors,
hospitals, and other healthcare providers that have agreed to provide
services at reduced rates to policyholders of a particular insurer. Using
out-of-network providers often results in higher out-of-pocket costs.


7. Which of the following is a key feature of Medicare Part D?
A) Covers hospital stays
B) Provides prescription drug coverage

, C) Provides medical coverage for people under 65
D) Provides long-term care benefits
Answer: B) Provides prescription drug coverage
Rationale: Medicare Part D is specifically designed to offer prescription
drug coverage to Medicare beneficiaries. It does not cover hospital
stays, long-term care, or medical coverage for those under 65 unless
they have certain disabilities or conditions.


8. Which of the following is an example of a high-deductible health
plan (HDHP)?
A) A plan with a low premium and a high deductible
B) A plan that covers only catastrophic events
C) A plan with no out-of-pocket costs
D) A plan that covers only preventative care services
Answer: A) A plan with a low premium and a high deductible
Rationale: High-deductible health plans (HDHPs) typically have lower
monthly premiums but require the insured to pay higher deductibles
before insurance starts covering most healthcare expenses. These plans
are often paired with Health Savings Accounts (HSAs).


9. What is the primary goal of the Children's Health Insurance Program
(CHIP)?
A) To cover the elderly population with low income
B) To provide affordable health coverage for children in low-income
families
C) To provide health insurance to all children, regardless of income
D) To cover the costs of vaccinations for children only

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