LTC / Medicare – NC Test Questions with 100% Complete Solutions, Rated A+

Prior to obtaining coverage through medicare Part D, individuals must have which of the following coverages? - Medicare Part A and B What is the Medicare Part D deductible? - $435 Year What is the Pre-existing condition policy for Medigap? - The insurer can refuse to cover a health problem that was diagnosed or treated during the 6 months before the policy issue date, for a specified amount of time Discontinuance - The sale or transfer of a Medicare Supplement business to another issuer What are a disabled insured's options for the purchase of a medigap policy? - The insured can purchase A, C, or F Medigap Plan C includes: - -Basic Benefits -Skilled Nursing Coinsurance -Medicare PArt A deductible - Medicare Part B deductible - Foreign Travel Emergency Medigap Plan A includes: - Covers only core or basic benefits and the first 3 pints of blood To be eligible for a Medicare Supplement policy a person must be: - Age 65 and have Medicare Part A and B What is a Medically Needy person pathway? - It is intended to assist individuals whose income exceeds the Medicaid limit, but who have unusually high medical expenses that they cannot afford. A way to spend down their excess income to the Medicaid eligibility limit What is the Qualified Medicare Beneficiary program? - Helps pay Medicare premiums, deductibles, and coinsurance for medicare eligible beneficiaries. What does a Community Spouse mean? - The spouse of an institutionalized individual who remains at home According to NC asset rules for Medicaid, the look-back period for assets transferred to an individual is - 5 years What is a Community Alternatives Program? - Allows NC to use Medicaid funds to provide home and community based services to medicaid recipients who require institutional care What is a Special Low-Income Medicare Beneficiary program? - A program that pays Medicare Part B premiums for person entitled to Medicare Part A and who has limited resources and an income near poverty line. What are the Medicare supplement Pan A core benefits? - - Plan A coinsurance/ copayment (Not Part A deductible) - Part A hospital costs up to an additional 365 days after medicare benefits are used up - Part A hospice care coinsurance/ copayment - Part B coinsurance/ copayment - The first 3 pints of blood What are Medicare Supplement Plan B core benefits? - Core Benefits plus Part A deductible What are Medicare Supplement Part C benefits? - -Core Benefits -Medicare Part A deductible -Skilled Nursing Facility coinsurance -Medicare Part B deductible and the foreign travel benefit