2025 UHC TEST. VERIFIED ACTUAL EXAM QUESTIONS AND ANSWERS. 100% CORRECT GRADED A.

2025 UHC TEST. VERIFIED ACTUAL EXAM QUESTIONS AND ANSWERS. 100% CORRECT GRADED A. A man is planning to retire after age 65. Until then, he will have his employer's health plan. When should he enroll in Medicare Part B? - CORRECT -- Within the 8 months of the day he is no longer employed or when coverage under the group plan ends In the Original Medicare Plan Part B, the percentage of the approved amount paid by the patient is 20%. This is referred to as - CORRECT -- Coinsurance What process will the insurance company use to monitor the insured's hospital stay to make sure that everything is proceeding according to schedule? - CORRECT -- Concurrent review Medicare Part B will pay for which of the following? - CORRECT -- Anesthesia received as an outpatient service Prior to obtaining coverage through Medicare Part D, individuals must have which of the following coverage(s)? - CORRECT -- Medicare Part A or B The assignment payment method only works with which of the following? - CORRECT -- The Original Medicare Plan All of the following individuals may join a private fee-for-service plan except those who - CORRECT -- Live outside of the service area If a patient is admitted to a hospital for special care, inpatient dialysis treatments are covered under - CORRECT -- Medicare Part A A patient has a 110-day stay in a skilled nursing facility. All Medicare requirements have been satisfied. For how many days will Medicare participate in the cost of the patient's care? - CORRECT -- 100 days First -dollar coverage applies to - CORRECT -- Home health care Claims for Medicare Part A services are filed by - CORRECT -- The provider with the Medicare intermediary Hospice benefits are available for a Medicare beneficiary who has met all of these requirements except - CORRECT -- Having more than 6 months to live The minimum age to purchase long-term care insurance is - CORRECT -- 18 A man has a Medigap policy. The premium increases each year because he is a year older. In addition, the premium is also adjusted for inflation. The method used to calculate his premium is known as - CORRECT -- Attained age In North Carolina, the expected loss ratio for individual long-term care insurance is at least - CORRECT -- 60% A long-term care policy that offers a guarantee that certain policy benefits will remain available even if the insured stops paying premiums is known as a - CORRECT -- Nonforfeiture feature What are the disclosure requirements for Medicare Supplement policies issued at attained age? - CORRECT -- The rates structure must be fully disclosed at the time of application Which of the following best describes Medicaid? - CORRECT -- Eligibility standards are established by each state within national guidelines Medicare will pay all costs of care in a skilled nursing facility for the first - CORRECT -- 20 days Care for eating, dressing, bathing, and continence, also known as personal care, is called - CORRECT -- Custodial care Which of the following best defines the pre-existing condition waiting period in Medigap policies? - CORRECT -- The insurer can refuse to cover a health problem that was diagnosed or treated during the 6 months before the policy issue date, for a specified amount of time A long-term care policy may exclude coverage for - CORRECT -- Mental disorders If an insured appeals a service on the Medicare Summary Notice (MSN) and sends a request to the Medicare Administrative Contractor, within how many days will the MAC generally send the decision to the insured? - CORRECT -- 60 days Medicare Part A is - CORRECT -- Hospital insurance The outline of coverage for Medicare supplement policies is - CORRECT -- A summary of the policy applied for or issued Which of the following is true about the benefit periods in Medicare Part A? - CORRECT -- With each new benefit period, most of Part A hospital benefits are renewed