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Trusted and Verified AHIP 2025 Exam Answers – Pass Assured R346,73
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Trusted and Verified AHIP 2025 Exam Answers – Pass Assured

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Trusted and Verified AHIP 2025 Exam Answers – Pass Assured

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  • June 11, 2024
  • December 25, 2024
  • 12
  • 2023/2024
  • Exam (elaborations)
  • Questions & answers

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  • trusted and verified ahip 2025 exam answers pass

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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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1. Which of the following is the primary goal of the Affordable Care
Act (ACA)?
• A) To eliminate the need for health insurance
• B) To reduce healthcare costs by limiting doctor visits
• C) To increase the number of insured Americans and improve
healthcare access
• D) To reduce taxes for healthcare companies
Answer: C) To increase the number of insured Americans and improve
healthcare access
Rationale: The ACA aimed to expand healthcare access, reduce the
number of uninsured Americans, and improve the quality of care. This
was done through Medicaid expansion, insurance marketplace
subsidies, and mandates for individuals to purchase insurance.


2. What does the term "premium" refer to in a health insurance plan?
• A) The amount paid by the insurance company for a claim
• B) The out-of-pocket cost that policyholders pay for healthcare
services
• C) The fixed monthly or annual amount paid to maintain coverage
• D) The cost of the deductible in the insurance plan
Answer: C) The fixed monthly or annual amount paid to maintain
coverage
Rationale: The premium is the regular payment made by the
policyholder to maintain their health insurance coverage, typically
monthly or annually.

,3. Which of the following is a characteristic of a "High Deductible
Health Plan" (HDHP)?
• A) It has low premiums but high deductibles.
• B) It offers unlimited coverage with no out-of-pocket costs.
• C) It requires no out-of-pocket payments from the insured.
• D) It has low deductibles and covers most healthcare costs.
Answer: A) It has low premiums but high deductibles.
Rationale: HDHPs typically feature lower premiums but higher
deductibles. This means the insured individual must pay more out-of-
pocket before insurance coverage kicks in.


4. What is the purpose of the Health Insurance Marketplace?
• A) To provide free healthcare services to the uninsured
• B) To allow individuals to buy insurance with government
assistance based on their income
• C) To eliminate insurance premiums for low-income families
• D) To provide only short-term health plans
Answer: B) To allow individuals to buy insurance with government
assistance based on their income
Rationale: The Health Insurance Marketplace helps individuals buy
health insurance plans and provides subsidies based on income, making
coverage more affordable.

,5. Which of the following is an example of a "covered service" under
most health insurance plans?
• A) Elective cosmetic surgery
• B) Prescription medication (after deductible)
• C) Over-the-counter supplements
• D) Non-medical transportation
Answer: B) Prescription medication (after deductible)
Rationale: Covered services under most health insurance plans include
necessary medical services such as doctor visits, surgeries, and
prescription medication, although some plans may have conditions like
deductibles or co-pays.


6. What is the purpose of the "out-of-pocket maximum" in a health
insurance plan?
• A) It limits the amount you can claim from the insurance provider.
• B) It restricts the number of healthcare services you can use.
• C) It caps the amount an insured person has to pay in a policy
period.
• D) It determines how much the insurance company will reimburse
you.
Answer: C) It caps the amount an insured person has to pay in a policy
period.
Rationale: The out-of-pocket maximum is the highest amount an
insured individual will have to pay for covered healthcare services in a

, year. Once this limit is reached, the insurance company pays 100% of
covered expenses.


7. Which of the following is a benefit of Medicaid expansion under the
Affordable Care Act (ACA)?
• A) It requires states to provide healthcare to all individuals
regardless of income.
• B) It expands eligibility to more low-income individuals and
families.
• C) It allows private insurers to offer Medicaid plans directly to
consumers.
• D) It eliminates the need for Medicaid entirely.
Answer: B) It expands eligibility to more low-income individuals and
families.
Rationale: Medicaid expansion under the ACA aimed to increase the
number of low-income individuals eligible for Medicaid by raising the
income limits for eligibility.


8. Which of the following is NOT typically covered under a traditional
health insurance plan?
• A) Hospital stays
• B) Preventive care
• C) Cosmetic surgery for aesthetic purposes
• D) Emergency services
Answer: C) Cosmetic surgery for aesthetic purposes

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