MEDICARE EXAM QUESTIONS AND
CORRECT ANSWERS. VERIFIED
2025/2026.
Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and paid
taxes during that entire period. She is concerned that she will not qualify for coverage under
Part A because she was not born in the US. What should you tell her?
Module 1 - ANS Most individuals who are citizens and over age 65 are covered under Part A
by virtue of having paid Medicare taxes while working, though some may be covered as a result
of paying monthly premiums.
Bauer is 49 years old, but eighteen months ago he was declared disabled by the SSA and has
been receiving disability payments. He is wondering whether he can obtain coverage under
Medicare. What should you tell him?
Module 1 - ANS After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
Davis is 49 years old and has been receiving disability benefits from the SSA for 12 months. Can
you sell him a MA or Part D PDP?
Module 1 - ANS No, he cannot purchase a MA or Part D policy because he has not received SS
or RR disability benefits for 24 months.
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
,Henderson believes that she will qualify for Medicare coverage when she turns 65, w/o paying
any premiums, because she has been working for 40 years and paying Medicare taxes. What
should you tell her?
Module 1 - ANS In order to obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
Diaz continued working with his company and was insured under his employer's group plan
until he reached 68 years old. He ahs heard that there is a premium penalty for those who did
not sign up for Part B when first eligible and wants to know how much he will have to pay.
Module 1 - ANS The penalty will be permanent 10% increase in his Part B premium for every
12 month period that passed during which he could have enrolled and did not.
Mrs. Pena is 66 years old, has coverage under an employer plan and will retire next year. She
heard she must enroll in Part B at the beginning of the year to ensure no gap in coverage.
Module 1 - ANS She may not enroll in Part B while covered under an employer group health
plan and must wait until the standard general enrollment period after she retires.
Mrs. Kelly is entitles to Part A, but is not yet enrolled in Part B. She is considering enrollment in a
Medicare health plan. What should you advise her to do before she will be able to enroll into a
Medicare health plan?
Module 1 - ANS In order to join a Medicare plan, she also must enroll in Part B.
Toma has a low, fixed income. What could you tell her that might be of assistance?
Module 1 - ANS She should contact her state Medicaid agency to see if she qualifies for one
of several programs that can help with Medicare costs for which she is responsible.
Yu has limited income and resources so you have encouraged him to see if he qualifies for some
type of financial assistance. Mr. Yu is not sure it is worth the trouble to apply and wants to know
what the assistance could do for him if he qualifies.
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
, Module 1 - ANS He might qualify for help with Part D costs and help paying Part and/or Part B
premiums, deductibles, and/or cost sharing
Patel is in good health and is preparing a budget in anticipation of his retirement when he turns
66. He wants to understand the health care costs he might be exposed to under Medicare if he
were to require hospitalization as a result of an illness. In general terms, what could you tell him
about his costs for inpatient hospital services under Original Medicare?
Module 1 - ANS Under original Medicare, there is a single deductible amt. due for the first 60
days of any inpatient hospital stay, after which it converts into a per day amt. through day 90.
after day 90, he would pay a daily amt. up to 60 days over his lifetime, after which he would be
responsible for all costs.
Kanof is covered by Original Medicare. She sustained a hip fracture and is being successfully
treated for that condition. However, she and her physicians feel that after her lengthy stay she
will need a month or two of nursing and rehabilitative care. - ANS Medicare will cover Mrs.
Kanof's skilled nursing services provided during the first 20 days of her stay, after which she
would have a copay until she has been in the facility for 100 days.
Rainey is experiencing paranoid delusions and his physician feels that he should be hospitalized.
What should you tell Mr. Rainey (or representative) about the length of an inpatient psychiatric
hospital stay that Medicare will cover?
Module 1 - ANS Medicare will cover a total of 190 days of inpatient psychiatric care during
Mr. Rainey's entire lifetime.
Quigley has just turned 65 and received a letter informing her that she has been automatically
enrolled in Medicare Part B. She wants to understand what this means.
Module 1 - ANS Part B primarily covers physician services. she will be paying a monthly
premium and, with the exception of many preventive and screening tests, generally will have
20% co-payments for these services, in addition to an annual deductible
3 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
CORRECT ANSWERS. VERIFIED
2025/2026.
Chen will be 65 soon, has been a citizen for twelve years, has been employed full time, and paid
taxes during that entire period. She is concerned that she will not qualify for coverage under
Part A because she was not born in the US. What should you tell her?
Module 1 - ANS Most individuals who are citizens and over age 65 are covered under Part A
by virtue of having paid Medicare taxes while working, though some may be covered as a result
of paying monthly premiums.
Bauer is 49 years old, but eighteen months ago he was declared disabled by the SSA and has
been receiving disability payments. He is wondering whether he can obtain coverage under
Medicare. What should you tell him?
Module 1 - ANS After receiving such disability payments for 24 months, he will be
automatically enrolled in Medicare, regardless of age.
Davis is 49 years old and has been receiving disability benefits from the SSA for 12 months. Can
you sell him a MA or Part D PDP?
Module 1 - ANS No, he cannot purchase a MA or Part D policy because he has not received SS
or RR disability benefits for 24 months.
1 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
,Henderson believes that she will qualify for Medicare coverage when she turns 65, w/o paying
any premiums, because she has been working for 40 years and paying Medicare taxes. What
should you tell her?
Module 1 - ANS In order to obtain Part B coverage, she must pay a standard monthly
premium, though it is higher for individuals with higher incomes.
Diaz continued working with his company and was insured under his employer's group plan
until he reached 68 years old. He ahs heard that there is a premium penalty for those who did
not sign up for Part B when first eligible and wants to know how much he will have to pay.
Module 1 - ANS The penalty will be permanent 10% increase in his Part B premium for every
12 month period that passed during which he could have enrolled and did not.
Mrs. Pena is 66 years old, has coverage under an employer plan and will retire next year. She
heard she must enroll in Part B at the beginning of the year to ensure no gap in coverage.
Module 1 - ANS She may not enroll in Part B while covered under an employer group health
plan and must wait until the standard general enrollment period after she retires.
Mrs. Kelly is entitles to Part A, but is not yet enrolled in Part B. She is considering enrollment in a
Medicare health plan. What should you advise her to do before she will be able to enroll into a
Medicare health plan?
Module 1 - ANS In order to join a Medicare plan, she also must enroll in Part B.
Toma has a low, fixed income. What could you tell her that might be of assistance?
Module 1 - ANS She should contact her state Medicaid agency to see if she qualifies for one
of several programs that can help with Medicare costs for which she is responsible.
Yu has limited income and resources so you have encouraged him to see if he qualifies for some
type of financial assistance. Mr. Yu is not sure it is worth the trouble to apply and wants to know
what the assistance could do for him if he qualifies.
2 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
, Module 1 - ANS He might qualify for help with Part D costs and help paying Part and/or Part B
premiums, deductibles, and/or cost sharing
Patel is in good health and is preparing a budget in anticipation of his retirement when he turns
66. He wants to understand the health care costs he might be exposed to under Medicare if he
were to require hospitalization as a result of an illness. In general terms, what could you tell him
about his costs for inpatient hospital services under Original Medicare?
Module 1 - ANS Under original Medicare, there is a single deductible amt. due for the first 60
days of any inpatient hospital stay, after which it converts into a per day amt. through day 90.
after day 90, he would pay a daily amt. up to 60 days over his lifetime, after which he would be
responsible for all costs.
Kanof is covered by Original Medicare. She sustained a hip fracture and is being successfully
treated for that condition. However, she and her physicians feel that after her lengthy stay she
will need a month or two of nursing and rehabilitative care. - ANS Medicare will cover Mrs.
Kanof's skilled nursing services provided during the first 20 days of her stay, after which she
would have a copay until she has been in the facility for 100 days.
Rainey is experiencing paranoid delusions and his physician feels that he should be hospitalized.
What should you tell Mr. Rainey (or representative) about the length of an inpatient psychiatric
hospital stay that Medicare will cover?
Module 1 - ANS Medicare will cover a total of 190 days of inpatient psychiatric care during
Mr. Rainey's entire lifetime.
Quigley has just turned 65 and received a letter informing her that she has been automatically
enrolled in Medicare Part B. She wants to understand what this means.
Module 1 - ANS Part B primarily covers physician services. she will be paying a monthly
premium and, with the exception of many preventive and screening tests, generally will have
20% co-payments for these services, in addition to an annual deductible
3 @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED.
