NC MEDICARE SUPPLEMENT & LONG TERM CARE 200 PRACTICE QUESTIONS & RATIONALES (2026 UPDATED)

NC MEDICARE SUPPLEMENT & LONG TERM
CARE 200 PRACTICE QUESTIONS &
RATIONALES (2026 UPDATED)


1.Which of the following is NOT a core benefit of Medicare
Supplement Plan A?
A. Medicare Part A coinsurance for hospital stay
B. The first 3 pints of blood each year
C. Medicare Part A deductible
D. Medicare Part B coinsurance
Rationale: Plan A is the most basic Medicare Supplement plan and does
not cover the Part A deductible.
Answer: C
1. In North Carolina, an individual under age 65 who is
eligible for Medicare due to disability is entitled to a 6-
month open enrollment period for which plans?
A. Plan A only
B. Plans A, D, and G
C. All available Medigap plans
D. Plans A and B only
Rationale: North Carolina state law (G.S. 58-54-45) requires
insurers to offer Plans A, D, and G to those under 65 who qualify
for Medicare by disability.
Answer: B
2. A Long-Term Care policy must provide a free-look period
of at least how many days?
A. 10 days
B. 15 days
C. 20 days
D. 30 days
Rationale: Both Medicare Supplement and Long-Term Care
policies generally require a 30-day free-look period for a full
refund.
Answer: D
3. Medicare Part A generally covers which of the following?
A. Physician services

, B. Outpatient hospital care
C. Inpatient hospital care
D. Prescription drugs
Rationale: Medicare Part A is specifically designed for hospital
insurance (inpatient care).
Answer: C
4. Which program in North Carolina allows individuals to
protect a portion of their assets if they apply for Medicaid
after using LTC insurance benefits?
A. Medicare Advantage
B. The Long-Term Care Partnership Program
C. The Seniors' Health Insurance Information Program (SHIIP)
D. Medigap Plan L
Rationale: The NC Long-Term Care Partnership Program
provides asset protection for those who purchase qualified LTC
policies.
Answer: B
5. An individual has 40 quarters (10 years) of work
experience. What is their likely monthly premium for
Medicare Part A?
A. $458
B. $0
C. $174.70
D. $250
Rationale: Individuals or spouses who have paid Medicare taxes
for at least 40 quarters receive Part A premium-free.
Answer: B
6. When must an Outline of Coverage be provided to a
Medigap applicant?
A. Within 30 days of policy delivery
B. At the time of application
C. Only if the applicant requests it
D. Within 10 days of the first premium payment
Rationale: Regulations require the agent or insurer to provide the
Outline of Coverage at the time of application to ensure informed
decision-making.
Answer: B

,7. Which of the following is an "Activity of Daily Living"
(ADL) used to trigger benefits in an LTC policy?
A. Cooking
B. Driving
C. Bathing
D. Housekeeping
Rationale: ADLs are basic self-care tasks; bathing, dressing,
eating, transferring, toileting, and continence are the standard
triggers.
Answer: C
8. All Medicare Supplement policies must be:
A. Conditionally Renewable
B. Guaranteed Renewable
C. Optionally Renewable
D. Non-renewable
Rationale: Federal and state laws require Medigap policies to be
guaranteed renewable, meaning they cannot be canceled as long
as premiums are paid.
Answer: B
9. A Medicare Supplement policy cannot exclude coverage
for a preexisting condition for more than how many
months?
A. 3 months
B. 6 months
C. 12 months
D. 24 months
Rationale: Under the standardized rules, the maximum waiting
period for a preexisting condition is 6 months.
Answer: B
10. Which part of Medicare is also known as "Medicare
Advantage"?
A. Part A
B. Part B
C. Part C
D. Part D
Rationale: Medicare Part C allows private insurers to provide
Medicare benefits through managed care plans.
Answer: C

, 11. Home health care under an LTC policy typically excludes
visits from which of the following?
A. Registered Nurses
B. Licensed Practical Nurses
C. Physical Therapists
D. Attending Physicians
Rationale: LTC home health care usually covers nursing and
therapeutic services, but does not typically include visits from the
primary attending physician.
Answer: D
12.What is the primary purpose of "Inflation Protection" in
an LTC policy?
A. To lower the monthly premium over time
B. To increase the daily benefit amount to keep up with rising costs
C. To provide a cash value at the end of the policy
D. To guarantee that the insurer cannot raise rates
Rationale: Inflation protection ensures that the policy's benefits
remain relevant as care costs increase over time.
Answer: B
13.If a consumer already has a Medicare Advantage plan,
what is the rule regarding the sale of a Medigap policy?
A. They can have both simultaneously
B. It is illegal to sell them a Medigap policy unless they are
switching back to Original Medicare
C. They must wait 12 months before buying Medigap
D. The Medigap policy will only cover the Advantage plan's copays
Rationale: Medigap is designed to supplement Original Medicare
and cannot be used with Medicare Advantage.
Answer: B
14.What does "Conditional Payment" refer to in Medicare?
A. A payment made only if the insured is under 65
|B. A payment made by Medicare for services where another party
(like Workers' Comp) may be responsible, but hasn't paid yet
C. A payment that is only made if the deductible is met
D. A payment made to a non-participating provider
Rationale: Medicare may pay "conditionally" to ensure the
beneficiary gets care while waiting for a primary payer to settle a
claim.
Answer: B