NC Medicare/LTC exam questions
with Correct Answers
LTC policies may not include - ✔✔the right to refuse to renew upon age or
deterioration of health.
Medicare Supplement policies must maintain minimum loss ratios - ✔✔(75% Group,
and 65% Individual) through annual audited reports to DOI.
If inadequate loss ratios - ✔✔refunds or premium credits are required to be made.
LTC must provide benefits for a minimum of - ✔✔12 months and cannot provide
skilled care only.
LTC insurers must provide ____ days advance notice of cancellation to both insured
and alternate-named person. - ✔✔30
LTC Outline of coverage must be delivered no later than - ✔✔at policy delivery.
After admission to a custodial facility most LTC policies have a ______ - ✔✔Elimination
Period ("Time Deductible")
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, Medicare enrollment is done at - ✔✔local Social Security offices.
Medicare Supplement policies are designed primarily to cover the - ✔✔"cost-sharing"
features of Medicare.
Home Health benefits cover DME's ____%. - ✔✔80
Medicare in-patient Psychiatric benefits are limited to - ✔✔190 days lifetime.
Medicare SNF benefits are structured how? - ✔✔100 days per benefit period. Days 1-20
with no copayment; Days 21-100 are 1/8 of the Part A Deductible.
13) The Medicare Part A benefit period (spell of illness) for hospital and SNF ends -
✔✔60 days after discharge.
14) Medicare provides Days 1-90 on a - ✔✔non-exhaustible basis for each benefit
period.
15) The exhaustible Reserve Day percentage is - ✔✔50%.
16) Medicare Part A Hospital is the only one with an exhaustible benefit - ✔✔(60 days
lifetime after Days 1-90).
17) Medicare Part A SNF benefit requires 3 days in the hospital before admission; -
✔✔the patient must go within 30 days of discharge, and a doctor must certify need
daily.
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with Correct Answers
LTC policies may not include - ✔✔the right to refuse to renew upon age or
deterioration of health.
Medicare Supplement policies must maintain minimum loss ratios - ✔✔(75% Group,
and 65% Individual) through annual audited reports to DOI.
If inadequate loss ratios - ✔✔refunds or premium credits are required to be made.
LTC must provide benefits for a minimum of - ✔✔12 months and cannot provide
skilled care only.
LTC insurers must provide ____ days advance notice of cancellation to both insured
and alternate-named person. - ✔✔30
LTC Outline of coverage must be delivered no later than - ✔✔at policy delivery.
After admission to a custodial facility most LTC policies have a ______ - ✔✔Elimination
Period ("Time Deductible")
100% Pass Guarantee Olivia West, All Rights Reserved © 2025 1
, Medicare enrollment is done at - ✔✔local Social Security offices.
Medicare Supplement policies are designed primarily to cover the - ✔✔"cost-sharing"
features of Medicare.
Home Health benefits cover DME's ____%. - ✔✔80
Medicare in-patient Psychiatric benefits are limited to - ✔✔190 days lifetime.
Medicare SNF benefits are structured how? - ✔✔100 days per benefit period. Days 1-20
with no copayment; Days 21-100 are 1/8 of the Part A Deductible.
13) The Medicare Part A benefit period (spell of illness) for hospital and SNF ends -
✔✔60 days after discharge.
14) Medicare provides Days 1-90 on a - ✔✔non-exhaustible basis for each benefit
period.
15) The exhaustible Reserve Day percentage is - ✔✔50%.
16) Medicare Part A Hospital is the only one with an exhaustible benefit - ✔✔(60 days
lifetime after Days 1-90).
17) Medicare Part A SNF benefit requires 3 days in the hospital before admission; -
✔✔the patient must go within 30 days of discharge, and a doctor must certify need
daily.
100% Pass Guarantee Olivia West, All Rights Reserved © 2025 2
