Medicare and Medi-cade Exam Questions with Correct Answers
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Course
Medicare Supplements
Institution
Medicare Supplements
All of the following benefits are available under Medicare EXCEPT - Answer-custodial care
skilled nursing care following a hospital stay of at least 3 days
home health care visits for a speech therapist
hospital expenses
Explanation
Medicare provides benefits for hospital stays, skilled nursin...
Medicare and Medi-cade Exam
Questions with Correct Answers
All of the following benefits are available under Medicare EXCEPT - Answer-custodial
care
skilled nursing care following a hospital stay of at least 3 days
home health care visits for a speech therapist
hospital expenses
Explanation
Medicare provides benefits for hospital stays, skilled nursing, and home health care
visits under Part A.
Reference: 20.3.2 in the License Exam Manual
Medicare supplement (or Medigap) policies pay - Answer-all or most of Medicare's
deductibles
benefits provided under Medicare Part A
medical costs arising from extended custodial (nursing home) care
benefits to those who cannot afford Medicare Part B coverage
Explanation
Medicare supplement, or Medigap, policies pick up coverage where Medicare leaves
off. These policies supplement
Medicare's benefits by paying most, if not all, coinsurance amounts and deductibles and
paying for some health care
services not covered by Medicare, such as outpatient prescription drugs. They do not
cover the cost of extended
nursing home care.
Reference: 20.4 in the License Exam Manual
The first page of a Medicare supplement policy must contain all of the following
EXCEPT - Answer-the producer's commission and the policy's premium
highly visible notice of the 30-day free look period
the policy's renewal provision, including a description of any premium increases
that may be involved
the Notice to Buyer -this policy may not cover all of your medical expenses
Explanation
The disclosure regulations require the first page of the policy to contain the Notice to
Buyer, 30-day free look period
notice and the renewal provision with descriptions of premium increases. Applicants
must be also provided with a
buyer's guide "A Guide to Health Insurance for People with Medicare", and an Outline of
Coverage.
Reference: 20.5.1 in the License Exam Manual
,Which of the following statements regarding the lifetime reserve of hospital coverage for
Medicare patients is
CORRECT? - Answer-The reserve does not renew with a new benefit period.
Tapping into the reserve results in a lower daily co-payment.
The reserve may be replenished if the patient reenters a hospital after a benefit
period ends and pays a new deductible.
If a patient exhausts the reserve, she must pay a higher co-payment.
Explanation
The lifetime reserve is an additional 60 days of coverage on top of the 90-day benefit
period Medicare provides for
hospitalization. A patient who is hospitalized for longer than 90 days can tap into the 60-
day reserve. This reserve is a
onetime benefit; it is not replenished with a new benefit period. Tapping into the reserve
will require a higher copayment
from the patient. If a patient is hospitalized beyond the 60th lifetime reserve day, thus
exhausting the reserve,
she will be responsible for all hospital charges.
Reference: 20.3.2.2 in the License Exam Manual
Which of the following statements regarding Medicare Part B is NOT true? - Answer-It
provides for annual mammograms for those over 40, pap tests, pelvic exams,
and clinical breast exams.
It provides glaucoma testing once every 12 months.
It covers a routine physical exam within 6 months of enrollment.
It pays for skilled care provided in the home like speech, physical, or
occupational therapy.
Explanation
Medicare Part A pays for skilled nursing after a hospital stay lasting at least 3 days. The
other routine preventive items
are covered by Part B.
Reference: 20.3.3.2 in the License Exam Manual
People age 65 or older who enroll in Medicare Part B may also select Medigap
coverage during - Answer-an open enrollment period
a grace period
a free-look period
a free-enrollment period
Explanation
People age 65 or older who enroll in Medicare Part B are afforded a 6-month open
enrollment period for purchasing
Medigap insurance coverage. The coverage becomes effective the following July 1.
Reference: 20.5.1.2 in the License Exam Manual
The abbreviation PDP refers to which part of Medicare? - Answer-Part B
Part D
Part A
, Part C
Explanation
PDP stands for prescription drug plan. Medicare Part D makes prescription drug
coverage available to people covered
by Medicare Part A and Part B.
Reference: 20.3.7 in the License Exam Manual
Which of the following statements about Medicare Part D is CORRECT? - Answer-It is
available to anyone enrolled in Medicare Part A or
Some plans offer basic drug coverage.
It helps cover the costs of hospitalization.
Benefits are available only through Medicare Advantage plans.
Explanation
Medicare Part D helps cover the cost of prescription drugs. It is available to anyone
enrolled in Medicare Part A or
Benefits are available through private prescription drugs plans or Medicare Advantage
plans. All plans must offer basic
drug coverage.
Reference: 20.3.7 in the License Exam Manual
Which of the following statements pertaining to Medicare is CORRECT? - Answer-For
the first 90 days of hospitalization, Medicare Part A pays 100% of all covered
services, except for an initial deductible.
Elena is covered under Medicare Part She submitted a total of $1,100 of
approved medical charges to Medicare after paying the required deductible. Of
that total, Elena must pay $880.
Medicare Part A is automatically provided when a qualified individual applies for
Social Security benefits.
Each individual covered by Medicare Part A is allowed one 90-day benefit period
per year.
Explanation
Medicare Part A is available when an individual turns 65 and is automatically provided
when he applies for Social
Security benefits. Medicare Part B pays 80% of medical expenses after the insured
pays the deductible.
Reference: 20.3.2.1 in the License Exam Manual
Medicare is designed to pay for - Answer-a large portion of the health care bill for
eligible persons
death benefits
disability benefits
old-age benefits
Explanation
Medicare is designed to pay for a large portion of the health care bill for those eligible.
To be covered, a person must be
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