North Carolina Medicare Supplement and Long-Term Care Insurance Exam 2026/2027 Study Guide || Complete Question Bank with Correct Answers and Explanations

North Carolina Medicare Supplement and
Long-Term Care Insurance Exam 2026/2027
Study Guide - Complete Question Bank with
Correct Answers and Explanations

Question 1
Which of the following types of care requires the training of a licensed medical
professional, is prescribed and medically necessary, and is available on a 24-hour basis?
A. Provisional Care
B. Skilled Care
C. Administrative Care
D. Respite Care
Correct Answer: B
Explanation: Skilled care requires licensed medical professionals, is medically
necessary, prescribed by a physician, and available 24 hours a day.


Question 2
In Long Term Care policies, the insured may qualify for benefits if unable to perform at
least how many activities of ADLs?
A. 3
B. 2
C. 1
D. All 6
Correct Answer: B
Explanation: Long-term care policies typically require inability to perform at least 2
Activities of Daily Living (ADLs) to qualify for benefits.


Question 3
Prescription drugs are covered under Medicare's:

,A. Part A
B. Part D
C. Part B
D. Part C
Correct Answer: B
Explanation: Medicare Part D provides prescription drug coverage.


Question 4
Which of the following types of long-term care is also known as personal care?
A. Adult Day care
B. Home Health Care
C. Respite Care
D. Custodial Care
Correct Answer: D
Explanation: Custodial care is also known as personal care and includes assistance
with ADLs.


Question 5
Medicare's home health services cover skilled nursing care on what basis?
A. Full-time
B. First come, first serve
C. Intermittent
D. Individual
Correct Answer: C
Explanation: Medicare home health services cover skilled nursing care on an
intermittent basis.


Question 6
Which of the following persons would qualify for Medicare Part A?
A. Anyone living in the United States over age 65
B. Veterans

,C. Anyone who has permanent kidney failure
D. Medicaid recipients
Correct Answer: C
Explanation: Individuals with permanent kidney failure (ESRD) qualify for Medicare
Part A regardless of age.


Question 7
In a Medicare HMO, who manages an enrollee's health care needs?
A. Specialists
B. Primary care doctor
C. HMO conservator
D. Pre-approval manager
Correct Answer: B
Explanation: In a Medicare HMO, the primary care doctor manages the enrollee's
healthcare needs.


Question 8
After a policy is delivered, how much time do policyholders have to return a Medigap
policy for a refund of premiums paid?
A. 10 days
B. 45 days
C. 30 days
D. 15 days
Correct Answer: C
Explanation: Policyholders have 30 days (free-look period) to return a Medigap policy
for a full refund.


Question 9
In which of the following are recipients of Medicare benefits enrolled automatically?
A. Part D
B. Part A

, C. Parts A and B
D. Parts B and C
Correct Answer: B
Explanation: Medicare Part A enrollment is automatic for eligible individuals. Part B
requires enrollment.


Question 10
Radiation therapy provided on an outpatient basis is covered by:
A. Medicare Part A
B. Medicare Part A or Medicare Part B
C. The patient
D. Medicare Part B
Correct Answer: D
Explanation: Medicare Part B covers outpatient services including radiation therapy.


Question 11
A Medicare supplement plan must have at least which of the following renewal
provisions?
A. Noncancellable
B. Guaranteed renewable
C. Nonrenewable
D. Conditionally renewable
Correct Answer: B
Explanation: Medigap policies must be guaranteed renewable.


Question 12
What percentage of Rural Health Clinic fees is a patient responsible for paying?
A. 35%
B. 10%
C. 25%
D. 20%