Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and paid taxes during that entire period. She is concerned that she will not qualify for coverage under Part A because she was not born in the US. What should you tell her?
Module 1 - Answer-Most individuals wh...
Medicare Exam Questions with Correct
Answers
Chen will be 65 soon, has been a citizen for twelve years, has been employed full time,
and paid taxes during that entire period. She is concerned that she will not qualify for
coverage under Part A because she was not born in the US. What should you tell her?
Module 1 - Answer-Most individuals who are citizens and over age 65 are covered
under Part A by virtue of having paid Medicare taxes while working, though some may
be covered as a result of paying monthly premiums.
Bauer is 49 years old, but eighteen months ago he was declared disabled by the SSA
and has been receiving disability payments. He is wondering whether he can obtain
coverage under Medicare. What should you tell him?
Module 1 - Answer-After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
Davis is 49 years old and has been receiving disability benefits from the SSA for 12
months. Can you sell him a MA or Part D PDP?
Module 1 - Answer-No, he cannot purchase a MA or Part D policy because he has not
received SS or RR disability benefits for 24 months.
Henderson believes that she will qualify for Medicare coverage when she turns 65, w/o
paying any premiums, because she has been working for 40 years and paying Medicare
taxes. What should you tell her?
Module 1 - Answer-In order to obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
Diaz continued working with his company and was insured under his employer's group
plan until he reached 68 years old. He ahs heard that there is a premium penalty for
those who did not sign up for Part B when first eligible and wants to know how much he
will have to pay.
Module 1 - Answer-The penalty will be permanent 10% increase in his Part B premium
for every 12 month period that passed during which he could have enrolled and did not.
Mrs. Pena is 66 years old, has coverage under an employer plan and will retire next
year. She heard she must enroll in Part B at the beginning of the year to ensure no gap
in coverage.
Module 1 - Answer-She may not enroll in Part B while covered under an employer group
health plan and must wait until the standard general enrollment period after she retires.
Mrs. Kelly is entitles to Part A, but is not yet enrolled in Part B. She is considering
enrollment in a Medicare health plan. What should you advise her to do before she will
be able to enroll into a Medicare health plan?
Module 1 - Answer-In order to join a Medicare plan, she also must enroll in Part B.
, Toma has a low, fixed income. What could you tell her that might be of assistance?
Module 1 - Answer-She should contact her state Medicaid agency to see if she qualifies
for one of several programs that can help with Medicare costs for which she is
responsible.
Yu has limited income and resources so you have encouraged him to see if he qualifies
for some type of financial assistance. Mr. Yu is not sure it is worth the trouble to apply
and wants to know what the assistance could do for him if he qualifies.
Module 1 - Answer-He might qualify for help with Part D costs and help paying Part
and/or Part B premiums, deductibles, and/or cost sharing
Patel is in good health and is preparing a budget in anticipation of his retirement when
he turns 66. He wants to understand the health care costs he might be exposed to
under Medicare if he were to require hospitalization as a result of an illness. In general
terms, what could you tell him about his costs for inpatient hospital services under
Original Medicare?
Module 1 - Answer-Under original Medicare, there is a single deductible amt. due for the
first 60 days of any inpatient hospital stay, after which it converts into a per day amt.
through day 90. after day 90, he would pay a daily amt. up to 60 days over his lifetime,
after which he would be responsible for all costs.
Kanof is covered by Original Medicare. She sustained a hip fracture and is being
successfully treated for that condition. However, she and her physicians feel that after
her lengthy stay she will need a month or two of nursing and rehabilitative care. -
Answer-Medicare will cover Mrs. Kanof's skilled nursing services provided during the
first 20 days of her stay, after which she would have a copay until she has been in the
facility for 100 days.
Rainey is experiencing paranoid delusions and his physician feels that he should be
hospitalized. What should you tell Mr. Rainey (or representative) about the length of an
inpatient psychiatric hospital stay that Medicare will cover?
Module 1 - Answer-Medicare will cover a total of 190 days of inpatient psychiatric care
during Mr. Rainey's entire lifetime.
Quigley has just turned 65 and received a letter informing her that she has been
automatically enrolled in Medicare Part B. She wants to understand what this means.
Module 1 - Answer-Part B primarily covers physician services. she will be paying a
monthly premium and, with the exception of many preventive and screening tests,
generally will have 20% co-payments for these services, in addition to an annual
deductible
Buck has several family members who died from different cancers. He wants to know if
Medicare covers cancer screening.
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