Medicare Supplement/Long Term Care Questions With 100% Correct Answers.

An insured has 10 years of work experience. She participated in the Social Security program for 10 years. Her medicare Part A premium is most likely to be A. $0 B. $458 per month C. About 5% of monthly income D. $458 per month - Answer-$0 EXPLANATION: People do not pay a monthly Part A premium because they or their spouse have 40 or more quarters of Medicare-covered employment. A patient has 20 day stay in Medicare covered SNF. All of these services are covered EXCEPT A. Medications B. Home Health Care C. Meals D. Skilled Nursing Care - Answer-Home Health Care EXPLANATION: HHC may be covered when the patient is at home but does not apply in a skilled nursing facility In LTC policies, as the benefit period lengthens, the premium ... A. Increases B. Remains unchanged C. LTC premiums are not based on benefit periods D. Decreases - Answer-Increases EXPLANATION: The longer benefit period, the high the will be.An insured receives health care through both Medicare and Medicaid. She currently has prescription drug coverage through Medicaid. Does the insured need to enroll in Medicare Part D? - Answer-Yes, she must begin receiving her prescription drug coverage through Part D EXPLANATION: Anyone enrolled in both Medicare and Medicaid, and who receives prescription drug coverage through Medicaid should enroll in Medicare Part D for prescription drug coverage. How often does Medicare send out a Medicare Summary Notice to people who receive services covered by the Original Medicare? - Answer-Every 3 months EXPLANATION: MSN are usually mailed 4 times a year (every 3 months) and contain information about charges billed to medicare A 55 year old insured is receiving Medicare Part A and B because of a disability. What are the insured's options for the purchase of a Medigap policy? - Answer-The insured can purchase Plans A, D, or G EXPLANATION: Every insurer must make standardized Medicare Supplement Plans A, D or G. Supportive services provided by qualified paraprofessionals who are trained, equipped, assigned and supervised by professionals. Help maintain, strengthen and safeguard the care of the elderly in their own homes is called - Answer-Homemaker services EXPLANATION: Meet standards established by the North Carolina Division of Social Services and may include assistance in management of household budgets, planning nutritious meals, purchasing and preparing foods, housekeeping duties, consumer education and basic personal and health care. A man who has Medicare Part B has a health condition that requires him to use a scooter. To be eligible for Medicare coverage for this cost, the patient - Answer-May rent the scooter Which of the following options allows states to extend Medicaid eligibility to additional persons? - Answer-Medically needy persons An insured has a long term care insurance policy that he purchased at the age of 55. When the insured reaches age 66, the company may - Answer-Not increase his premium because of age EXPLANATION: No insurer may increase the rate of premium charged to an insured for a policy because of increasing age of the insured at age beyond 65. Prior to issuance of a long term care policy to an applicant age 80 or older the insurer must obtain which of the following? - Answer-Attending physicians statements