Medicare Exam Questions With Correct
Answers
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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-No, |he |cannot |purchase |a |MA |or |Part |D |policy |because |he |
has |not |received |SS |or |RR |disability |benefits |for |24 |months.
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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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.
Module |1 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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. |- |CORRECT |ANSWER✔✔-
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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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
Buck |has |several |family |members |who |died |from |different |cancers. |He |wants |to |know |if |
Medicare |covers |cancer |screening.
Module |1 |- |CORRECT |ANSWER✔✔-Medicare |covers |periodic |performance |of |a |range |of |
screening |tests |that |are |meant |to |provide |early |detection |of |disease. |Mr. |Buck |will |need |to |
check |specific |tests |before |obtaining |them |to |see |if |they |will |be |covered.
Answers
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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-No, |he |cannot |purchase |a |MA |or |Part |D |policy |because |he |
has |not |received |SS |or |RR |disability |benefits |for |24 |months.
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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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.
Module |1 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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. |- |CORRECT |ANSWER✔✔-
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 |- |CORRECT |ANSWER✔✔-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 |- |CORRECT |ANSWER✔✔-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
Buck |has |several |family |members |who |died |from |different |cancers. |He |wants |to |know |if |
Medicare |covers |cancer |screening.
Module |1 |- |CORRECT |ANSWER✔✔-Medicare |covers |periodic |performance |of |a |range |of |
screening |tests |that |are |meant |to |provide |early |detection |of |disease. |Mr. |Buck |will |need |to |
check |specific |tests |before |obtaining |them |to |see |if |they |will |be |covered.
