WELLCARE ACT MASTERY FINAL EXAM NEWEST
2026/2027 ACTUAL EXAM TEST BANK| COMPLETE
350 REAL EXAM QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) ALREADY GRADED A+
(BRAND NEW!!)
1. A beneficiary turns 65 on June 15, 2025. When does their
Initial Enrollment Period (IEP) begin?
A) June 1, 2025 – November 30, 2025
B) March 1, 2025 – September 30, 2025
C) April 1, 2025 – July 31, 2025
D) June 15, 2025 – December 15, 2025
Correct Answer: B
Rationale: IEP is 7 months: 3 months before, the month of, and 3
months after the 65th birthday month (March 1 – September 30).
A is incorrect (it starts too late). C cuts off too early. D is only 6
months.
1
,2. Which part of Medicare covers inpatient hospital stays?
A) Part A
B) Part B
C) Part C
D) Part D
Correct Answer: A
Rationale: Part A = hospital, skilled nursing (limited), hospice,
home health. Part B = outpatient/medical. Part C = Medicare
Advantage. Part D = prescriptions.
3. A beneficiary has end-stage renal disease (ESRD). When can
they enroll in a Medicare Advantage plan?
A) Immediately after diagnosis
B) Any time without restriction
C) Only during General Enrollment Period
D) During specific enrollment periods depending on
dialysis/vintage date
2
,Correct Answer: D
Rationale: ESRD patients have special enrollment rules; not all MA
plans accept ESRD immediately. D is correct; A/B/C oversimplify.
4. What is the penalty for late enrollment in Part B without
creditable coverage?
A) 1% per month for life
B) 10% per 12-month period for life
C) Flat $50/month
D) No penalty
Correct Answer: B
Rationale: Part B late penalty = 10% per each full 12-month
period eligible but not enrolled, applied to premium for life. A is
Part D penalty. C/D incorrect.
5. A beneficiary has Part A only. Are they eligible for a Part D
plan?
A) Yes, anyone with Part A or Part B can enroll in Part D
3
, B) No, Part D requires both Part A and Part B
C) Yes, but only during AEP
D) No, Part D is automatic
Correct Answer: A
Rationale: Part D eligibility requires entitlement to Part A OR
enrollment in Part B. A is correct. B is false. C is false (SEPs exist).
D false.
6. Medicare Part B covers which of the following?
A) Inpatient surgery
B) Annual wellness visit
C) Long-term nursing home care
D) Prescription drugs at retail pharmacy
Correct Answer: B
Rationale: Annual wellness visit is Part B. A is Part A. C not
covered by Medicare generally. D is Part D.
4
2026/2027 ACTUAL EXAM TEST BANK| COMPLETE
350 REAL EXAM QUESTIONS AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS) ALREADY GRADED A+
(BRAND NEW!!)
1. A beneficiary turns 65 on June 15, 2025. When does their
Initial Enrollment Period (IEP) begin?
A) June 1, 2025 – November 30, 2025
B) March 1, 2025 – September 30, 2025
C) April 1, 2025 – July 31, 2025
D) June 15, 2025 – December 15, 2025
Correct Answer: B
Rationale: IEP is 7 months: 3 months before, the month of, and 3
months after the 65th birthday month (March 1 – September 30).
A is incorrect (it starts too late). C cuts off too early. D is only 6
months.
1
,2. Which part of Medicare covers inpatient hospital stays?
A) Part A
B) Part B
C) Part C
D) Part D
Correct Answer: A
Rationale: Part A = hospital, skilled nursing (limited), hospice,
home health. Part B = outpatient/medical. Part C = Medicare
Advantage. Part D = prescriptions.
3. A beneficiary has end-stage renal disease (ESRD). When can
they enroll in a Medicare Advantage plan?
A) Immediately after diagnosis
B) Any time without restriction
C) Only during General Enrollment Period
D) During specific enrollment periods depending on
dialysis/vintage date
2
,Correct Answer: D
Rationale: ESRD patients have special enrollment rules; not all MA
plans accept ESRD immediately. D is correct; A/B/C oversimplify.
4. What is the penalty for late enrollment in Part B without
creditable coverage?
A) 1% per month for life
B) 10% per 12-month period for life
C) Flat $50/month
D) No penalty
Correct Answer: B
Rationale: Part B late penalty = 10% per each full 12-month
period eligible but not enrolled, applied to premium for life. A is
Part D penalty. C/D incorrect.
5. A beneficiary has Part A only. Are they eligible for a Part D
plan?
A) Yes, anyone with Part A or Part B can enroll in Part D
3
, B) No, Part D requires both Part A and Part B
C) Yes, but only during AEP
D) No, Part D is automatic
Correct Answer: A
Rationale: Part D eligibility requires entitlement to Part A OR
enrollment in Part B. A is correct. B is false. C is false (SEPs exist).
D false.
6. Medicare Part B covers which of the following?
A) Inpatient surgery
B) Annual wellness visit
C) Long-term nursing home care
D) Prescription drugs at retail pharmacy
Correct Answer: B
Rationale: Annual wellness visit is Part B. A is Part A. C not
covered by Medicare generally. D is Part D.
4
