Medicare Supplement/Long Term Care
UPDATED ACTUAL Exam Questions and
CORRECT Answers
An insured has 10 years of work experience. She participated in the Social Security program for
10 years. Her medicare Part A premium is most likely to be
A. $0
B. $458 per month
C. About 5% of monthly income
D. $458 per month - CORRECT ANSWER- $0
EXPLANATION: People do not pay a monthly Part A premium because they or their spouse
have 40 or more quarters of Medicare-covered employment.
A patient has 20 day stay in Medicare covered SNF. All of these services are covered EXCEPT
A. Medications
B. Home Health Care
C. Meals
D. Skilled Nursing Care - CORRECT ANSWER- Home Health Care
EXPLANATION: HHC may be covered when the patient is at home but does not apply in a
skilled nursing facility
In LTC policies, as the benefit period lengthens, the premium ...
A. Increases
B. Remains unchanged
C. LTC premiums are not based on benefit periods
, D. Decreases - CORRECT ANSWER- Increases
EXPLANATION: The longer benefit period, the high the will be.
An insured receives health care through both Medicare and Medicaid. She currently has
prescription drug coverage through Medicaid. Does the insured need to enroll in Medicare Part
D? - CORRECT ANSWER- Yes, she must begin receiving her prescription drug coverage
through Part D
EXPLANATION: Anyone enrolled in both Medicare and Medicaid, and who receives
prescription drug coverage through Medicaid should enroll in Medicare Part D for prescription
drug coverage.
How often does Medicare send out a Medicare Summary Notice to people who receive services
covered by the Original Medicare? - CORRECT ANSWER- Every 3 months
EXPLANATION: MSN are usually mailed 4 times a year (every 3 months) and contain
information about charges billed to medicare
A 55 year old insured is receiving Medicare Part A and B because of a disability. What are the
insured's options for the purchase of a Medigap policy? - CORRECT ANSWER- The insured
can purchase Plans A, D, or G
EXPLANATION: Every insurer must make standardized Medicare Supplement Plans A, D or G.
Supportive services provided by qualified paraprofessionals who are trained, equipped, assigned
and supervised by professionals. Help maintain, strengthen and safeguard the care of the elderly
in their own homes is called - CORRECT ANSWER- Homemaker services
EXPLANATION: Meet standards established by the North Carolina Division of Social Services
and may include assistance in management of household budgets, planning nutritious meals,
purchasing and preparing foods, housekeeping duties, consumer education and basic personal
and health care.
A man who has Medicare Part B has a health condition that requires him to use a scooter. To be
eligible for Medicare coverage for this cost, the patient - CORRECT ANSWER- May rent
the scooter
UPDATED ACTUAL Exam Questions and
CORRECT Answers
An insured has 10 years of work experience. She participated in the Social Security program for
10 years. Her medicare Part A premium is most likely to be
A. $0
B. $458 per month
C. About 5% of monthly income
D. $458 per month - CORRECT ANSWER- $0
EXPLANATION: People do not pay a monthly Part A premium because they or their spouse
have 40 or more quarters of Medicare-covered employment.
A patient has 20 day stay in Medicare covered SNF. All of these services are covered EXCEPT
A. Medications
B. Home Health Care
C. Meals
D. Skilled Nursing Care - CORRECT ANSWER- Home Health Care
EXPLANATION: HHC may be covered when the patient is at home but does not apply in a
skilled nursing facility
In LTC policies, as the benefit period lengthens, the premium ...
A. Increases
B. Remains unchanged
C. LTC premiums are not based on benefit periods
, D. Decreases - CORRECT ANSWER- Increases
EXPLANATION: The longer benefit period, the high the will be.
An insured receives health care through both Medicare and Medicaid. She currently has
prescription drug coverage through Medicaid. Does the insured need to enroll in Medicare Part
D? - CORRECT ANSWER- Yes, she must begin receiving her prescription drug coverage
through Part D
EXPLANATION: Anyone enrolled in both Medicare and Medicaid, and who receives
prescription drug coverage through Medicaid should enroll in Medicare Part D for prescription
drug coverage.
How often does Medicare send out a Medicare Summary Notice to people who receive services
covered by the Original Medicare? - CORRECT ANSWER- Every 3 months
EXPLANATION: MSN are usually mailed 4 times a year (every 3 months) and contain
information about charges billed to medicare
A 55 year old insured is receiving Medicare Part A and B because of a disability. What are the
insured's options for the purchase of a Medigap policy? - CORRECT ANSWER- The insured
can purchase Plans A, D, or G
EXPLANATION: Every insurer must make standardized Medicare Supplement Plans A, D or G.
Supportive services provided by qualified paraprofessionals who are trained, equipped, assigned
and supervised by professionals. Help maintain, strengthen and safeguard the care of the elderly
in their own homes is called - CORRECT ANSWER- Homemaker services
EXPLANATION: Meet standards established by the North Carolina Division of Social Services
and may include assistance in management of household budgets, planning nutritious meals,
purchasing and preparing foods, housekeeping duties, consumer education and basic personal
and health care.
A man who has Medicare Part B has a health condition that requires him to use a scooter. To be
eligible for Medicare coverage for this cost, the patient - CORRECT ANSWER- May rent
the scooter
