NORTH CAROLINA MEDICARE SUPPLEMENT AND LONG TERM CARE
INSURANCE EXAM 2026/2027 STUDY GUIDE COMPLETE ACCURATE
EXAM REAL QUESTIONS AND CORRECT DETAILED ANSWERS WITH
RATIONALES (100% CORRECT VERIFIED SOLUTIONS) NEWEST
UPDATED VERSION 2026 EDITION |GUARANTEED PASS A+ (BRAND
NEW!) FULL REVISED NORTH CAROLINA MEDICARE SUPPLEMENT
AND LONG TERM CARE INSURANCE APPROVED EXAM |JUST
RELEASED
1. What is the primary purpose of Medicare Supplement (Medigap) insurance?
A. To replace Original Medicare coverage entirely
B. To help pay for costs not covered by Original Medicare, such as deductibles and
coinsurance
C. To provide prescription drug coverage for Medicare beneficiaries
D. To offer managed care plans as an alternative to Original Medicare
CORRECT ANSWER: B
RATIONALE: Medigap policies are private insurance plans designed to fill the
"gaps" in Original Medicare coverage . They help cover out-of-pocket costs like
deductibles, coinsurance, and copayments that beneficiaries would otherwise
pay. They do not replace Medicare but supplement it. Medicare Advantage (Part
C) is the alternative that replaces Original Medicare, and Part D provides
prescription drug coverage.
2. Which federal agency administers the Medicare program?
A. Social Security Administration (SSA)
B. Department of Health and Human Services (HHS)
C. Centers for Medicare and Medicaid Services (CMS)
D. North Carolina Department of Insurance
,CORRECT ANSWER: C
RATIONALE: The Centers for Medicare and Medicaid Services (CMS) is the
federal agency within the U.S. Department of Health and Human Services that
administers Medicare, Medicaid, and CHIP programs . While the Social Security
Administration handles enrollment and some appeals, CMS is the primary
administrator.
3. Medicare Part A primarily covers which of the following services?
A. Outpatient physician visits
B. Prescription drugs
C. Hospital inpatient care, skilled nursing facility care, home health care, and
hospice
D. Dental and vision services
CORRECT ANSWER: C
RATIONALE: Medicare Part A is hospital insurance covering inpatient hospital
stays, skilled nursing facility care (after a qualifying hospital stay), hospice care,
and some home health care . Physician services and outpatient care are covered
under Part B. Prescription drugs are covered under Part D.
4. Medicare Part B primarily covers which of the following?
A. Inpatient hospital stays
B. Prescription medications
C. Outpatient medical services and physician visits
D. Long-term nursing home care
CORRECT ANSWER: C
,RATIONALE: Medicare Part B covers medically necessary outpatient services,
preventive services, and physician visits . It requires a monthly premium, and
after the annual deductible is met, Medicare typically pays 80% of approved
charges, leaving the beneficiary responsible for 20% coinsurance .
5. What is Medicare Part C also known as?
A. Medicare Supplement
B. Medicare Advantage
C. Medigap
D. Medicare Prescription Drug Plan
CORRECT ANSWER: B
RATIONALE: Medicare Part C is known as Medicare Advantage . These plans
are offered by private insurers approved by Medicare and provide an alternative
way to receive Parts A and B benefits, often bundled with Part D (prescription
drug coverage). Medigap is a different concept as it supplements Original
Medicare rather than replacing it.
6. What does Medicare Part D cover?
A. Inpatient hospital care
B. Skilled nursing facility stays
C. Prescription drugs
D. Home health aide services
CORRECT ANSWER: C
RATIONALE: Medicare Part D is the voluntary outpatient prescription drug
benefit offered through private insurers approved by Medicare . It helps cover
the cost of prescription medications and is available to anyone with Medicare
Part A and/or Part B.
, 7. What is the age requirement for Medicare eligibility for most individuals?
A. 62
B. 65
C. 67
D. 70
CORRECT ANSWER: B
RATIONALE: Most individuals become eligible for Medicare at age 65 . To
qualify for premium-free Part A, they must have earned 40 work credits through
FICA or self-employment tax contributions. Individuals under 65 may qualify if
they have certain disabilities, End-Stage Renal Disease (ESRD), or ALS.
8. Which of the following individuals would NOT qualify for Medicare under age
65?
A. An individual with End-Stage Renal Disease (ESRD) requiring dialysis
B. An individual who has received Social Security disability benefits for 24
months
C. An individual diagnosed with ALS (Lou Gehrig's disease)
D. An individual diagnosed with pancreatic cancer
CORRECT ANSWER: D
RATIONALE: Medicare eligibility under age 65 is limited to individuals with
permanent disability for at least 24 months, End-Stage Renal Disease (ESRD),
or ALS (Lou Gehrig's disease) . A cancer diagnosis alone does not qualify an
individual for Medicare under age 65.
9. What is the Medicare Part A inpatient hospital deductible?
INSURANCE EXAM 2026/2027 STUDY GUIDE COMPLETE ACCURATE
EXAM REAL QUESTIONS AND CORRECT DETAILED ANSWERS WITH
RATIONALES (100% CORRECT VERIFIED SOLUTIONS) NEWEST
UPDATED VERSION 2026 EDITION |GUARANTEED PASS A+ (BRAND
NEW!) FULL REVISED NORTH CAROLINA MEDICARE SUPPLEMENT
AND LONG TERM CARE INSURANCE APPROVED EXAM |JUST
RELEASED
1. What is the primary purpose of Medicare Supplement (Medigap) insurance?
A. To replace Original Medicare coverage entirely
B. To help pay for costs not covered by Original Medicare, such as deductibles and
coinsurance
C. To provide prescription drug coverage for Medicare beneficiaries
D. To offer managed care plans as an alternative to Original Medicare
CORRECT ANSWER: B
RATIONALE: Medigap policies are private insurance plans designed to fill the
"gaps" in Original Medicare coverage . They help cover out-of-pocket costs like
deductibles, coinsurance, and copayments that beneficiaries would otherwise
pay. They do not replace Medicare but supplement it. Medicare Advantage (Part
C) is the alternative that replaces Original Medicare, and Part D provides
prescription drug coverage.
2. Which federal agency administers the Medicare program?
A. Social Security Administration (SSA)
B. Department of Health and Human Services (HHS)
C. Centers for Medicare and Medicaid Services (CMS)
D. North Carolina Department of Insurance
,CORRECT ANSWER: C
RATIONALE: The Centers for Medicare and Medicaid Services (CMS) is the
federal agency within the U.S. Department of Health and Human Services that
administers Medicare, Medicaid, and CHIP programs . While the Social Security
Administration handles enrollment and some appeals, CMS is the primary
administrator.
3. Medicare Part A primarily covers which of the following services?
A. Outpatient physician visits
B. Prescription drugs
C. Hospital inpatient care, skilled nursing facility care, home health care, and
hospice
D. Dental and vision services
CORRECT ANSWER: C
RATIONALE: Medicare Part A is hospital insurance covering inpatient hospital
stays, skilled nursing facility care (after a qualifying hospital stay), hospice care,
and some home health care . Physician services and outpatient care are covered
under Part B. Prescription drugs are covered under Part D.
4. Medicare Part B primarily covers which of the following?
A. Inpatient hospital stays
B. Prescription medications
C. Outpatient medical services and physician visits
D. Long-term nursing home care
CORRECT ANSWER: C
,RATIONALE: Medicare Part B covers medically necessary outpatient services,
preventive services, and physician visits . It requires a monthly premium, and
after the annual deductible is met, Medicare typically pays 80% of approved
charges, leaving the beneficiary responsible for 20% coinsurance .
5. What is Medicare Part C also known as?
A. Medicare Supplement
B. Medicare Advantage
C. Medigap
D. Medicare Prescription Drug Plan
CORRECT ANSWER: B
RATIONALE: Medicare Part C is known as Medicare Advantage . These plans
are offered by private insurers approved by Medicare and provide an alternative
way to receive Parts A and B benefits, often bundled with Part D (prescription
drug coverage). Medigap is a different concept as it supplements Original
Medicare rather than replacing it.
6. What does Medicare Part D cover?
A. Inpatient hospital care
B. Skilled nursing facility stays
C. Prescription drugs
D. Home health aide services
CORRECT ANSWER: C
RATIONALE: Medicare Part D is the voluntary outpatient prescription drug
benefit offered through private insurers approved by Medicare . It helps cover
the cost of prescription medications and is available to anyone with Medicare
Part A and/or Part B.
, 7. What is the age requirement for Medicare eligibility for most individuals?
A. 62
B. 65
C. 67
D. 70
CORRECT ANSWER: B
RATIONALE: Most individuals become eligible for Medicare at age 65 . To
qualify for premium-free Part A, they must have earned 40 work credits through
FICA or self-employment tax contributions. Individuals under 65 may qualify if
they have certain disabilities, End-Stage Renal Disease (ESRD), or ALS.
8. Which of the following individuals would NOT qualify for Medicare under age
65?
A. An individual with End-Stage Renal Disease (ESRD) requiring dialysis
B. An individual who has received Social Security disability benefits for 24
months
C. An individual diagnosed with ALS (Lou Gehrig's disease)
D. An individual diagnosed with pancreatic cancer
CORRECT ANSWER: D
RATIONALE: Medicare eligibility under age 65 is limited to individuals with
permanent disability for at least 24 months, End-Stage Renal Disease (ESRD),
or ALS (Lou Gehrig's disease) . A cancer diagnosis alone does not qualify an
individual for Medicare under age 65.
9. What is the Medicare Part A inpatient hospital deductible?
