©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Medicare/LTC Exam Questions And Answers
|Latest 2025 | Guaranteed Pass.
Which type of health insurance plan is particularly suitable for the senior insurance market? -
Answer✔managed care
term insurance
*Medicare plans*
long-term care
Medicare is a federal health insurance program designed for people who are 65 years old and
older and certain disabled individuals.
How does Part C change the delivery of health care services under Medicare? - Answer✔It
increases accessibility to services for eligible individuals.
It limits the coverage of Parts A and B.
It reduces the coverage of Parts and B.
*It uses managed care providers.*
Part C offers Parts A and B services through managed care plans and private fee-for-service
plans.
Who would NOT be eligible for Medicare enrollment? - Answer✔a person with end-stage renal
disease
a person who is 65 years old
*a person under age 65 who has received Social Security disability benefits for six months*
a person who has amyotrophic lateral sclerosis
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, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Medicare coverage is available to U.S. citizens and certain permanent residents who are at least
65 years old or have received Social Security disability benefits for at least two years, have end-
stage renal disease, or have amyotrophic lateral sclerosis.
After the deductible is paid, the insured can expect Medicare Part A to cover all eligible hospital
expenses without a copayment for up to: - Answer✔*60 days*
45 days
10 days
30 days
After the insured pays the deductible, Part A pays all eligible hospital costs without a
copayment from the insured for up to 60 days.
Which statement does NOT describe Medicare supplement policies? - Answer✔Insurers selling
Medicare supplement policies must sell Plan A.
*Medicare adjusts its deductibles and copayments to match insurers' benefits.*
Plan A provides the core benefits of Medicare supplement insurance.
Medicare supplement policies are guaranteed renewable.
When Medicare adjusts its deductibles and copayments, Medicare supplement policies must
align benefits with the adjustments.
Which product supplements Medicare by offering benefits delivered through a network of
health care providers? - Answer✔*Medicare SELECT plan*
long-term care insurance
Medicaid
tax-qualified long-term care
Medicare supplement coverage offered in this way is called a Medicare SELECT plan. Like other
managed care plans, a Medicare SELECT plan requires the insured to use health care providers
within its network to be eligible for full benefits.
Which statement does NOT describe the standard Medicare supplement plans? - Answer✔*A
plan may be cancelled if the insured's health significantly deteriorates.*
Plans B through N include Plan A's core benefits.
Plan A provides the basic core benefits.
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, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Insurers selling Medicare supplement policies must offer Plan A.
A policy cannot be canceled because of the insured's health.
What must Medicare supplement policies do whenever Medicare adjusts its deductibles and
copayment requirements? - Answer✔reduce benefits to avoid duplicating Medicare's
adjustments
*align benefits to match the adjustments*
increase benefits to exceed Medicare's deductibles and copayment requirements
maintain benefits
Medicare supplement policies must align their benefits to match Medicare's adjustments to
deductible and copayment requirements.
Even though they offer the same benefits as Medicare supplement policies, why do Medicare
SELECT plan's charge a lower premium? - Answer✔Medicare supplement policies are
guaranteed renewable.
Medicare SELECT policies do not cover nursing home or custodial care.
*Medicare SELECT plans deliver health care through a network of providers.*
Medicare supplement policies must adjust to changes in Medicare.
Medicare SELECT plans deliver health care through a network of providers, which reduces the
cost of care.
What is another name for Medicare supplement policies? - Answer✔major medical
*Medigap*
Medicaid
Original Medicare
Medicare supplement policies are also known as Medigap policies. Medicaid is a separate
program, distinct from Medicare, which provides health care and health-related services to
people with low incomes. Original Medicare is Medicare Parts A and B. Major medical is
medical expense insurance.
Insurers that offer Medicare supplement insurance must, in addition to Plan A, offer at least: -
Answer✔*Plan C or Plan F*
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, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Plan C and Plan F
Plan C
Plan D
All insurers that offer Medicare supplement insurance must offer Plan A. They must also offer
Plan C or Plan F.
Which Medicare supplement plan covers the copayment for the 61st through 90th day of
hospitalization? - Answer✔*Plans A through N*
Plans A, B, and C only
Plans A and B only
Plan C only
All plans pay the 61st through 90th days' copayment for hospitalization, as well as the 91st
through 150th days' copayment for each lifetime reserve day, and hospital costs up to 365
days.
When a person applies for Medicaid, the limits and the types of income and assets counted
vary depending on: - Answer✔whether the applicant is at least 65 years of age
whether the applicant previously applied for Medicaid assistance
*whether the applicant has a spouse who needs support*
whether the applicant has relatives who require support
The limits and the types of income and assets counted vary depending on, among other things,
whether the applicant has a spouse who requires support.
Which statement is correct about state administration of Medicaid? - Answer✔Every state
provides the same Medicaid benefits.
Every state must have the same requirements for Medicaid eligibility.
*All states base Medicaid eligibility on financial need.*
States cannot provide Medicaid assistance to anyone under age 65.
Eligibility for Medicaid assistance is based on financial need.
When determining eligibility for Medicaid, states do NOT consider: - Answer✔disability or age
4
Medicare/LTC Exam Questions And Answers
|Latest 2025 | Guaranteed Pass.
Which type of health insurance plan is particularly suitable for the senior insurance market? -
Answer✔managed care
term insurance
*Medicare plans*
long-term care
Medicare is a federal health insurance program designed for people who are 65 years old and
older and certain disabled individuals.
How does Part C change the delivery of health care services under Medicare? - Answer✔It
increases accessibility to services for eligible individuals.
It limits the coverage of Parts A and B.
It reduces the coverage of Parts and B.
*It uses managed care providers.*
Part C offers Parts A and B services through managed care plans and private fee-for-service
plans.
Who would NOT be eligible for Medicare enrollment? - Answer✔a person with end-stage renal
disease
a person who is 65 years old
*a person under age 65 who has received Social Security disability benefits for six months*
a person who has amyotrophic lateral sclerosis
1
, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Medicare coverage is available to U.S. citizens and certain permanent residents who are at least
65 years old or have received Social Security disability benefits for at least two years, have end-
stage renal disease, or have amyotrophic lateral sclerosis.
After the deductible is paid, the insured can expect Medicare Part A to cover all eligible hospital
expenses without a copayment for up to: - Answer✔*60 days*
45 days
10 days
30 days
After the insured pays the deductible, Part A pays all eligible hospital costs without a
copayment from the insured for up to 60 days.
Which statement does NOT describe Medicare supplement policies? - Answer✔Insurers selling
Medicare supplement policies must sell Plan A.
*Medicare adjusts its deductibles and copayments to match insurers' benefits.*
Plan A provides the core benefits of Medicare supplement insurance.
Medicare supplement policies are guaranteed renewable.
When Medicare adjusts its deductibles and copayments, Medicare supplement policies must
align benefits with the adjustments.
Which product supplements Medicare by offering benefits delivered through a network of
health care providers? - Answer✔*Medicare SELECT plan*
long-term care insurance
Medicaid
tax-qualified long-term care
Medicare supplement coverage offered in this way is called a Medicare SELECT plan. Like other
managed care plans, a Medicare SELECT plan requires the insured to use health care providers
within its network to be eligible for full benefits.
Which statement does NOT describe the standard Medicare supplement plans? - Answer✔*A
plan may be cancelled if the insured's health significantly deteriorates.*
Plans B through N include Plan A's core benefits.
Plan A provides the basic core benefits.
2
, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Insurers selling Medicare supplement policies must offer Plan A.
A policy cannot be canceled because of the insured's health.
What must Medicare supplement policies do whenever Medicare adjusts its deductibles and
copayment requirements? - Answer✔reduce benefits to avoid duplicating Medicare's
adjustments
*align benefits to match the adjustments*
increase benefits to exceed Medicare's deductibles and copayment requirements
maintain benefits
Medicare supplement policies must align their benefits to match Medicare's adjustments to
deductible and copayment requirements.
Even though they offer the same benefits as Medicare supplement policies, why do Medicare
SELECT plan's charge a lower premium? - Answer✔Medicare supplement policies are
guaranteed renewable.
Medicare SELECT policies do not cover nursing home or custodial care.
*Medicare SELECT plans deliver health care through a network of providers.*
Medicare supplement policies must adjust to changes in Medicare.
Medicare SELECT plans deliver health care through a network of providers, which reduces the
cost of care.
What is another name for Medicare supplement policies? - Answer✔major medical
*Medigap*
Medicaid
Original Medicare
Medicare supplement policies are also known as Medigap policies. Medicaid is a separate
program, distinct from Medicare, which provides health care and health-related services to
people with low incomes. Original Medicare is Medicare Parts A and B. Major medical is
medical expense insurance.
Insurers that offer Medicare supplement insurance must, in addition to Plan A, offer at least: -
Answer✔*Plan C or Plan F*
3
, ©FYNDLAY 2024/2025 ALL RIGHTS RESERVED 11:08AM. A+
Plan C and Plan F
Plan C
Plan D
All insurers that offer Medicare supplement insurance must offer Plan A. They must also offer
Plan C or Plan F.
Which Medicare supplement plan covers the copayment for the 61st through 90th day of
hospitalization? - Answer✔*Plans A through N*
Plans A, B, and C only
Plans A and B only
Plan C only
All plans pay the 61st through 90th days' copayment for hospitalization, as well as the 91st
through 150th days' copayment for each lifetime reserve day, and hospital costs up to 365
days.
When a person applies for Medicaid, the limits and the types of income and assets counted
vary depending on: - Answer✔whether the applicant is at least 65 years of age
whether the applicant previously applied for Medicaid assistance
*whether the applicant has a spouse who needs support*
whether the applicant has relatives who require support
The limits and the types of income and assets counted vary depending on, among other things,
whether the applicant has a spouse who requires support.
Which statement is correct about state administration of Medicaid? - Answer✔Every state
provides the same Medicaid benefits.
Every state must have the same requirements for Medicaid eligibility.
*All states base Medicaid eligibility on financial need.*
States cannot provide Medicaid assistance to anyone under age 65.
Eligibility for Medicaid assistance is based on financial need.
When determining eligibility for Medicaid, states do NOT consider: - Answer✔disability or age
4
