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North Carolina Medicare Supplement and Long-Term Care Exam 2025 – Full Q&A Guide with Verified Answers and Compliance Coverage

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This 2025 North Carolina Medicare Supplement and Long-Term Care Exam guide includes a complete and updated collection of actual test questions with correct answers. Topics include Medicare Parts A–D, conditional payments, inflation protection, long-term care policy benefits and exclusions, eligibility, enrollment periods, tax-qualified vs. non-qualified plans, Medicare Advantage (Part C), coinsurance rules, Medigap plans, and MAC regional administration. Ideal for professionals pursuing insurance licensure or long-term care planning certification.

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1 | Page

NORTH CAROLINA MEDICARE SUPPLEMENT
AND LONG-TERM CARE EXAM 2025 UPDATED
ACTUAL EXAM WITH CORRECT SOLUTIONS.



An individual who is not eligible for premium-free Medicare Part
A coverage may apply for coverage during which of the
following enrollment periods?


A. All of the above
B. Initial enrollment period
C. General enrollment period
D. Special enrollment period - correct answer- A. All of the
above




Medicare makes what payment for services in which another
payer may be responsible:


A. Conditional payment
B. Interim payment
C. Transitional payment
D. Temporary payment - correct answer- A. Conditional
payment

,2 | Page

Insurers must offer inflation protection in which of the following
policies?


A. Medicare Part C
B. Medigap
C. Long-Term Care
D. Medicaid - correct answer- C. Long-Term Care




What program safeguards against unnecessary and
inappropriate medical care rendered to Medicaid recipients?


A. Medicaid review program
B. Utilization renew program
C. Quality improvement organization
D. Utilization review program - correct answer- D. Utilization
review program




Which of the following is not a requirement for long-term care
plans?


A. The individual must be unable to perform at least two ADLs
B. Inflation protection must be provided
C. Policies must accrue cash value

, 3 | Page

D. Coveraged cannot reimburse insureds for medical expenses
or services covered by Medicare. - correct answer- C. Policies
must accrue cash value.




Which entity handles claims from hospitals, skilled nursing
facilities, home health agencies and hospices?


A. Carrier
B. Intermediary
C. Quality Improvement Organization
D. Utilization Review Committee - correct answer- B.
Intermediary




What is the term for private organizations that administer
Medicare Part B benefits?


A. Carriers
B. Medical Providers
C. Intermediaries
D. Peer review organizations - correct answer- A. Carriers




All of the following are requirements for long-term care and
medigap policy except:

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