2026 GRADED A+ FREE DOWNLOAD
North Carolina Medicare Supplement
and Long-Term Care QUESTIONS AND
CORRECT ANSWERS (GRADED A+) |
VERIFIED ANSWERS | LATEST VERSION
2026
NC Medicare Supplement & LTC Exam: Practice Set
1. In North Carolina, an insurance agent is considered a representative of:
• Answer: The Insurer.
• Rationale: Under NC law, the agent represents the insurance company, whereas
a broker represents the insured/client.
2. What is the maximum pre-existing condition "Waiting Period" for a Medicare
Supplement policy in NC?
• Answer: 6 months.
• Rationale: NC law dictates that an insurer cannot exclude coverage for a pre-
existing condition for longer than 6 months following the effective date of
coverage.
3. Which of the following is an example of "Twisting"?
• Answer: Making an incomplete comparison of policies to induce a client to drop
an existing one.
• Rationale: Twisting is a prohibited trade practice in North Carolina involving
misrepresentation to persuade a policyholder to switch carriers.
4. When a Medicare Supplement policy is replaced, the "Pre-existing Condition"
waiting period must be:
• Answer: Waived, if the previous policy was in force for at least 6 months.
,2026 GRADED A+ FREE DOWNLOAD
• Rationale: North Carolina "Credit for Prior Coverage" rules prevent a consumer
from being penalized with a new waiting period when switching similar plans.
5. How much is the Part A hospital co-payment for days 61–90 in 2026?
• Answer: $434 per day.
• Rationale: After the initial 60 days paid by the deductible, the beneficiary must
pay this daily coinsurance amount.
6. Which Medicare Part provides coverage through private "Managed Care" plans
(HMOs/PPOs)?
• Answer: Part C.
• Rationale: Medicare Part C (Medicare Advantage) allows private insurers to take
over the administration of Parts A and B.
7. A "Long-Term Care" policy in NC must provide coverage for at least how many
months?
• Answer: 12 consecutive months.
• Rationale: By definition in NC statutes, any policy labeled as LTC must provide at
least one year of coverage.
8. What is the "Free Look" period for a Long-Term Care policy in North Carolina?
• Answer: 30 days.
• Rationale: This 30-day window allows the consumer to review the policy and
return it for a 100% refund of all premiums paid.
9. In 2026, what is the annual deductible for Medicare Part B?
• Answer: $283.
• Rationale: This is the amount a beneficiary must pay out-of-pocket for medical
services before Medicare Part B begins to pay.
10. Which Medigap plan covers the "Part B Excess Charges"?
• Answer: Plans F and G.
• Rationale: These plans cover the 15% difference that non-participating doctors
are allowed to charge above the Medicare-approved rate.
11. What is "Cold Lead Advertising" in North Carolina?
, 2026 GRADED A+ FREE DOWNLOAD
• Answer: Marketing that fails to disclose that an agent will contact the consumer
to sell insurance.
• Rationale: This is a prohibited practice in NC intended to protect seniors from
deceptive lead-generation tactics.
12. The "Dollar-for-Dollar" asset protection in NC refers to which program?
• Answer: The NC Long-Term Care Partnership Program.
• Rationale: This program encourages people to buy private LTC insurance by
allowing them to keep assets equal to the insurance benefits paid if they
eventually need Medicaid.
13. To be eligible for a Medicare Supplement "Open Enrollment" period, an
individual must be:
• Answer: At least age 65 and enrolled in Medicare Part B.
• Rationale: This 6-month window is the only time an individual has a guaranteed
right to buy any Medigap policy without a medical exam.
14. What is the minimum number of ADL (Activities of Daily Living) triggers
allowed in a tax-qualified LTC policy?
• Answer: 2 out of 6.
• Rationale: Federal HIPAA standards require that an individual be unable to
perform at least two ADLs to trigger benefits under a tax-qualified plan.
15. In North Carolina, the "Outline of Coverage" must be delivered:
• Answer: At the time of application.
• Rationale: This summary ensures the applicant understands the core benefits
and limitations of the policy before committing.
16. Which of the following is NOT a core benefit of Medigap Plan A?
• Answer: Part A Deductible.
• Rationale: Plan A covers Part A coinsurance, but it does NOT cover the Part A
hospital deductible.
17. What is the penalty for "Defamation" by an insurance agent in NC?
• Answer: License suspension and civil fines.
North Carolina Medicare Supplement
and Long-Term Care QUESTIONS AND
CORRECT ANSWERS (GRADED A+) |
VERIFIED ANSWERS | LATEST VERSION
2026
NC Medicare Supplement & LTC Exam: Practice Set
1. In North Carolina, an insurance agent is considered a representative of:
• Answer: The Insurer.
• Rationale: Under NC law, the agent represents the insurance company, whereas
a broker represents the insured/client.
2. What is the maximum pre-existing condition "Waiting Period" for a Medicare
Supplement policy in NC?
• Answer: 6 months.
• Rationale: NC law dictates that an insurer cannot exclude coverage for a pre-
existing condition for longer than 6 months following the effective date of
coverage.
3. Which of the following is an example of "Twisting"?
• Answer: Making an incomplete comparison of policies to induce a client to drop
an existing one.
• Rationale: Twisting is a prohibited trade practice in North Carolina involving
misrepresentation to persuade a policyholder to switch carriers.
4. When a Medicare Supplement policy is replaced, the "Pre-existing Condition"
waiting period must be:
• Answer: Waived, if the previous policy was in force for at least 6 months.
,2026 GRADED A+ FREE DOWNLOAD
• Rationale: North Carolina "Credit for Prior Coverage" rules prevent a consumer
from being penalized with a new waiting period when switching similar plans.
5. How much is the Part A hospital co-payment for days 61–90 in 2026?
• Answer: $434 per day.
• Rationale: After the initial 60 days paid by the deductible, the beneficiary must
pay this daily coinsurance amount.
6. Which Medicare Part provides coverage through private "Managed Care" plans
(HMOs/PPOs)?
• Answer: Part C.
• Rationale: Medicare Part C (Medicare Advantage) allows private insurers to take
over the administration of Parts A and B.
7. A "Long-Term Care" policy in NC must provide coverage for at least how many
months?
• Answer: 12 consecutive months.
• Rationale: By definition in NC statutes, any policy labeled as LTC must provide at
least one year of coverage.
8. What is the "Free Look" period for a Long-Term Care policy in North Carolina?
• Answer: 30 days.
• Rationale: This 30-day window allows the consumer to review the policy and
return it for a 100% refund of all premiums paid.
9. In 2026, what is the annual deductible for Medicare Part B?
• Answer: $283.
• Rationale: This is the amount a beneficiary must pay out-of-pocket for medical
services before Medicare Part B begins to pay.
10. Which Medigap plan covers the "Part B Excess Charges"?
• Answer: Plans F and G.
• Rationale: These plans cover the 15% difference that non-participating doctors
are allowed to charge above the Medicare-approved rate.
11. What is "Cold Lead Advertising" in North Carolina?
, 2026 GRADED A+ FREE DOWNLOAD
• Answer: Marketing that fails to disclose that an agent will contact the consumer
to sell insurance.
• Rationale: This is a prohibited practice in NC intended to protect seniors from
deceptive lead-generation tactics.
12. The "Dollar-for-Dollar" asset protection in NC refers to which program?
• Answer: The NC Long-Term Care Partnership Program.
• Rationale: This program encourages people to buy private LTC insurance by
allowing them to keep assets equal to the insurance benefits paid if they
eventually need Medicaid.
13. To be eligible for a Medicare Supplement "Open Enrollment" period, an
individual must be:
• Answer: At least age 65 and enrolled in Medicare Part B.
• Rationale: This 6-month window is the only time an individual has a guaranteed
right to buy any Medigap policy without a medical exam.
14. What is the minimum number of ADL (Activities of Daily Living) triggers
allowed in a tax-qualified LTC policy?
• Answer: 2 out of 6.
• Rationale: Federal HIPAA standards require that an individual be unable to
perform at least two ADLs to trigger benefits under a tax-qualified plan.
15. In North Carolina, the "Outline of Coverage" must be delivered:
• Answer: At the time of application.
• Rationale: This summary ensures the applicant understands the core benefits
and limitations of the policy before committing.
16. Which of the following is NOT a core benefit of Medigap Plan A?
• Answer: Part A Deductible.
• Rationale: Plan A covers Part A coinsurance, but it does NOT cover the Part A
hospital deductible.
17. What is the penalty for "Defamation" by an insurance agent in NC?
• Answer: License suspension and civil fines.
