North Carolina Medicare Supplement & Long-term Care Questions with Correct Solutions, Graded to Pass

Z sells a MSP to a sick 72-year-old person, that he knows already has a Medicare supplement. The sale is - Not allowed because a person cant have multiple MSPs Which of the following does not qualify for Medicare under 65 years old? - Z who has pancreatic cancer All of the following are NOT correct regarding Medicare Advantage HMO and PPO plans EXCEPT: - Medicare Advantage PPOs do NOT use a gatekeeper. Which of the following is the primary point of contact to enroll Medicare providers? - a. MACs What coverage under Medicare Part A covers 80% of the cost for durable medical equipment? - Home Health Care Most people become eligible for Medicare at what age? - c. 65 After the deductible is paid, which is true regarding expenses paid by Medicare Part B? - a. Part B pays 80%. Which of the following dos not receive Medicaid payments directly? - b. A patient in hospice What type renewability provision states that a policy can't be cancelled or changed except for an unpaid premium but premiums can be raised? - a. Guaranteed renewable D's Medicare Supplement premium is based on her age when the policy started. Why can't the insurer increase the premium for inflation? - It uses issue age. With Medicare Part A, how many skilled nursing facility days are fully covered? - 20 A long-term care policy that is tax-qualified by HIPAA, the premiums and benefits are considered? - Tax-favored If C did not sign up for Medicare Part B when she was initially eligible, when can she sign up? - d. During the General Enrollment Period (AEP) Policy rates and schedules must be filed with the Commissioner - Annually In order to make sure Medicare provides appropriate, quality and effective care to patients, which group is used as a monitor? - a. A Quality Improvement Organization (QIO) What is true about a Medicare Select policy? - The insured won't be covered for out-of-network expenses. Preexisting conditions coverage in a Long-term Care or Medicare Supplement policy cant be denied or for more than: - a. 6 months after effective date of coverage X is a 40-year-old factory worker with kidney disease that has a great group health plan through his employer. Why would he be on Medicare? - d. His employer group policy has paid for at least 30 months, and then he moved to Medicare. A Medicare Advantage Prescription Drug Plan offers which of the following? - Part D prescription drug coverage, Part A, and Part B benefits in one plan. Home health care will be provided by Medicare Part B if which condition is met? - a. The care is ordered by doctor or health provider. This type temporary care gives a caregiver rest or time off? - a. Respite Care What type marketing fails to disclose the reason for contacting a person is to sell insurance? - d. Cold Lead Advertising Which is true, if T was injured and needed a blood transfusion? - d. Medicare Part A and B will make B pay for the first three pints. Which of the following can't be excluded in a Medicare Supplement Policy? - d. Alzheimers