NC MEDICARE SUPPLEMENT & LONG
TERM CARE INSURANCE LICENSING EXAM
EXAM WITH CORRECT ACTUAL
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST ALREADY
GRADED A+ 2025 – 2026
Hospice Care (Medicare Part A) - ANSWERS-Hospice is for
those in final stages (last 6 months) of terminal illness.
Palliative care (pain relief, symptom mgmt & support) vs.
curative care.
-Hospice must be provided by CMS certified hospice.
-Doctor must certify that patient is terminal with < 6 mo life
expectancy
-Patient choose hospice instead of standard hospital care
-Part A pays 100% as long as beneficiary remains alive &
terminally ill.
,-Benefit is provided thru 2 x 90 day and unlimited # of 60
day election benefit periods.
-No deductible for hospice
inpatient respite care - ANSWERS-A 5-day inpatient stay,
provided on occasional basis to relieve the primary
caregiver of terminally ill patient to give caregivers a break
-Pays 95% if Medicare approved charge with patient paying
5%.
Hospice benefits include - ANSWERS--Nursing & doctors'
services
-Home health aide & homemaker services
-Drugs used for pain or symptom relief (If drugs are
administered on outpatient basis, patient must pay 5% but
no more than $5 per Rx)
-Medical supplies & appliances
-Physical, occupational & speech therapy
-Medical social services & counseling
Medicare Part B benefits - ANSWERS--Optional with
premium payments
-Annual deductible of $185 plus 3 pt blood deductible.
, -After deductible, 80/20 coinsurance
-Benefit is based on approved charges (UCR)
Participating Doctor - ANSWERS-Agrees to accept Medicare
assignment payment method.
-Patient pays 20% coinsurance after deductible.
Non-Participating Doctor - ANSWERS-Doctor does not
accept Medicare assignment
-Allowed to charge more i.e. "Excess Charge" that what
Medicare approves
-Patient responsible for all charges in excess of the 80%
approved charge by Medicare
-Can accept assignment on a case by case basis
Medicare Part B - ANSWERS-The part of the Medicare
program that pays for physician services, outpatient hospital
services, durable medical equipment, and other services
and supplies.
-Has a monthly premium of $135.50 in 2019 which is
deducted from SS check.
-Part B enrollment is optional. You can reject Part B by
signing a rejection form.
TERM CARE INSURANCE LICENSING EXAM
EXAM WITH CORRECT ACTUAL
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST ALREADY
GRADED A+ 2025 – 2026
Hospice Care (Medicare Part A) - ANSWERS-Hospice is for
those in final stages (last 6 months) of terminal illness.
Palliative care (pain relief, symptom mgmt & support) vs.
curative care.
-Hospice must be provided by CMS certified hospice.
-Doctor must certify that patient is terminal with < 6 mo life
expectancy
-Patient choose hospice instead of standard hospital care
-Part A pays 100% as long as beneficiary remains alive &
terminally ill.
,-Benefit is provided thru 2 x 90 day and unlimited # of 60
day election benefit periods.
-No deductible for hospice
inpatient respite care - ANSWERS-A 5-day inpatient stay,
provided on occasional basis to relieve the primary
caregiver of terminally ill patient to give caregivers a break
-Pays 95% if Medicare approved charge with patient paying
5%.
Hospice benefits include - ANSWERS--Nursing & doctors'
services
-Home health aide & homemaker services
-Drugs used for pain or symptom relief (If drugs are
administered on outpatient basis, patient must pay 5% but
no more than $5 per Rx)
-Medical supplies & appliances
-Physical, occupational & speech therapy
-Medical social services & counseling
Medicare Part B benefits - ANSWERS--Optional with
premium payments
-Annual deductible of $185 plus 3 pt blood deductible.
, -After deductible, 80/20 coinsurance
-Benefit is based on approved charges (UCR)
Participating Doctor - ANSWERS-Agrees to accept Medicare
assignment payment method.
-Patient pays 20% coinsurance after deductible.
Non-Participating Doctor - ANSWERS-Doctor does not
accept Medicare assignment
-Allowed to charge more i.e. "Excess Charge" that what
Medicare approves
-Patient responsible for all charges in excess of the 80%
approved charge by Medicare
-Can accept assignment on a case by case basis
Medicare Part B - ANSWERS-The part of the Medicare
program that pays for physician services, outpatient hospital
services, durable medical equipment, and other services
and supplies.
-Has a monthly premium of $135.50 in 2019 which is
deducted from SS check.
-Part B enrollment is optional. You can reject Part B by
signing a rejection form.
