10 exam-style questions with answers and explanations, straight from our 1,030-question bank. Tap an answer to check yourself. When you're ready, take the scored version in the free practice test.
These 10 free CMIS questions are organized by exam domain, so you can see how each part of the Certified Medical Insurance Specialist blueprint is tested. Reveal the answer and explanation under each question.
Domain 1: Basics of Insurance
Question 1
A 54-year-old beneficiary has Medicare because of disability and also has group health coverage through a spouse's current employment. The single-employer plan's verified employee count for Medicare Secondary Payer purposes is 75. The group coverage began before Medicare. There is no ESRD or multiemployer-plan exception. Which payer order and reason correctly apply?
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Correct answer: A - Medicare first, then the group plan; the disability rule uses a 100-employee threshold.
Question 2
A patient questions the balance for a covered in-network PPO service. The charge was $425 and the contracted allowance was $260. The plan applied the patient's remaining $80 deductible, then 25% patient coinsurance to the rest of the allowance. The patient already paid $60. There is no copayment, secondary coverage, or out-of-pocket-maximum adjustment. The charge above the allowance is contractual. What additional amount is collectible from the patient?
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Correct answer: A - $65.00
Question 3
Medicaid denies a prescribed orthotic for a 19-year-old enrollee, citing only the state's exclusion of that service from its adult benefit package. A screening evaluation identified the functional problem, and the clinician documents why the orthotic is medically necessary to ameliorate it. The service falls within a federally coverable Medicaid benefit category. What is the strongest basis for requesting review?
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Correct answer: A - EPSDT applies to enrollees under 21; the adult benefit exclusion alone does not resolve coverage.
Domain 2: Medical Documentation
Question 4
For a medically necessary established-patient office visit, the physician logs 14 minutes evaluating and counseling the patient, 9 minutes reviewing records, and 4 minutes documenting, all on the encounter date. The physician also spends 6 minutes on a separately billed diagnostic interpretation; an assistant spends 10 minutes on intake. The physician selects the E/M level by time. Minimum times for 99212, 99213, 99214, and 99215 are 10, 20, 30, and 40 minutes, respectively. Which code and supporting time belong in the record?
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Correct answer: C - 99213, supported by 27 minutes of qualifying E/M time.
Question 5
Before a claim is submitted, a physician discovers that a signed electronic procedure note says 'right wrist' although the contemporaneous consent, procedure log, and examination document treatment of the left wrist. The physician confirms a dictation error. Which record correction preserves both accuracy and the audit trail?
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Correct answer: C - The physician appends a currently dated, authenticated correction and retains the original entry.
Domain 3: Diagnostic and Procedural Coding
Question 6
An established patient presents for reassessment of worsening knee osteoarthritis. The physician revises the prescription and rehabilitation plan and also performs a joint injection with a 0-day Medicare global period. The signed note supports E/M work beyond the injection's routine assessment and aftercare. Both services use the same diagnosis. Which reporting approach is supported?
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Correct answer: D - Report both services, appending modifier 25 to the E/M code.
Question 7
A patient was prescribed warfarin 2 mg once daily. The pharmacy mistakenly dispensed 5-mg tablets in a bottle labeled to take one tablet daily. The patient followed the label and developed hematuria. At a July 2026 visit, the physician documents that the excessive dose caused the bleeding and confirms the dispensing error. Which classification and sequencing fit this event?
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Correct answer: D - Accidental poisoning; list the poisoning code first, followed by the manifestation.
Domain 4: Compliance
Question 8
An emergency physician is treating an unconscious patient and urgently requests the patient's current medication list, allergies, and recent laboratory results from the medical office. The specialist verifies the requester through the hospital's published telephone number and has an approved secure transmission method. Office policy authorizes staff to handle treatment disclosures, and no special legal restriction applies to these records. What should happen first?
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Correct answer: B - Transmit the requested information promptly for treatment without obtaining a separate authorization.
Domain 5: Claims Processing
Question 9
After an 837P claim batch is transmitted, the payer returns an accepted 999 acknowledgment. A subsequent 277CA rejects one claim for an invalid subscriber ID and accepts the others. The rejected claim has not entered adjudication. How should the specialist resolve that claim without disrupting the accepted claims?
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Correct answer: B - Verify the subscriber ID, correct it, and resubmit only the rejected claim as an original.
Question 10
On a Medicare CMS-1500 claim, form version 02/12, item 21 lists A for type 2 diabetes and B for right-knee osteoarthritis. The knee injection on the second service line treats the osteoarthritis; diabetes does not support that procedure. The specialist must complete item 24E for that line. Which entry correctly links the service to its supporting diagnosis?
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Correct answer: C - B
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The full bank has 1,020 more CMIS questions with explanations.