NC Medicare Supplement & Long Term Care Insurance
Licensing Final EXAM 2025/2026 ACTUAL COMPLETE
REAL EXAM QUESTIONS AND CORRECT ANSWERS
(COMPLETE VERIFIED SOLUTIONS) GRADED A+!!
What Medicare Part A covers - ANSWER--Semi-private room,
Routine nursing services
-ICU, CCU & other special care units
-All meals including special diets
-Drugs administered inpatient
-Blood transfusions after 3 pts deductible
-OR & recovery room charges
-Ancillary items charged by hospital e.g. dressings, casts
-Pathology reports, lab exams charged by hospital
-Hospital charges for anesthesia services
-Radiology charges by hospital including radiation therapy
-Rehab services of hospital incl. physical, occupational &
speech therapy -Ambulatory devices provided by hospital incl.
crutches, wheelchairs
Medicare Part A does not cover - ANSWER--Hospital stays >150
days for first benefit period or no longer than 90 days after
using up lifetime reserve
-Private rooms unless medically necessary
-Physician's or surgeon's fees (Medicare Part B)
,-Luxury or convenience items rented from hospital
-Private duty nursing
-Tests or exams conducted/ billed by 3rd party or similar
hospital charges incurred on outpatient basis.
-Inpatient psych care of > 190 days during lifetime
Skilled Nursing Facility (SNF) & Medicare - ANSWER-Part A will
cover if hospitalized at least 3 days & is then admitted to SNF
within 30 days of stay in order to maintain continuum of care
for same/ related condition.
-SNF must be certified by CMS and have 24h nurse on duty.
-Days 1-20 - Part A will pay all approve costs for first 20d of
each benefit period -Days 21 to 100 - Part A will pay all costs
except for 12.5% (1/8) of current deductible as copay.
-Over 100 days - No benefit will be provided for that benefit
period.
Levels of Nursing Home Care -
ANSWER-Skilled
Intermediate
Custodial
Medicare only pays for skilled care
, Home Health Care - ANSWER-Individual must be confined to
home & under
care of physician who has establish a necessary home
health care plan.
-Prior hospitalization not
required
-First dollar coverage (no deductible
will apply)
-Providers must be approved
by CMS
-Patient must be unable to leave house without
assistance
Charges covered under Home Health Care - ANSWER--Part-time
or intermittent
skilled nursing care ( Up to 8h per day for 21
consecutive days )
-Physical, occupational or speech
therapy
-Medical social
services
-Consumable medical supplies e.g.
bandages
-80% of costs of DMEs (Durable Medical Equipments) e.g.
wheelchairs, hospital
Licensing Final EXAM 2025/2026 ACTUAL COMPLETE
REAL EXAM QUESTIONS AND CORRECT ANSWERS
(COMPLETE VERIFIED SOLUTIONS) GRADED A+!!
What Medicare Part A covers - ANSWER--Semi-private room,
Routine nursing services
-ICU, CCU & other special care units
-All meals including special diets
-Drugs administered inpatient
-Blood transfusions after 3 pts deductible
-OR & recovery room charges
-Ancillary items charged by hospital e.g. dressings, casts
-Pathology reports, lab exams charged by hospital
-Hospital charges for anesthesia services
-Radiology charges by hospital including radiation therapy
-Rehab services of hospital incl. physical, occupational &
speech therapy -Ambulatory devices provided by hospital incl.
crutches, wheelchairs
Medicare Part A does not cover - ANSWER--Hospital stays >150
days for first benefit period or no longer than 90 days after
using up lifetime reserve
-Private rooms unless medically necessary
-Physician's or surgeon's fees (Medicare Part B)
,-Luxury or convenience items rented from hospital
-Private duty nursing
-Tests or exams conducted/ billed by 3rd party or similar
hospital charges incurred on outpatient basis.
-Inpatient psych care of > 190 days during lifetime
Skilled Nursing Facility (SNF) & Medicare - ANSWER-Part A will
cover if hospitalized at least 3 days & is then admitted to SNF
within 30 days of stay in order to maintain continuum of care
for same/ related condition.
-SNF must be certified by CMS and have 24h nurse on duty.
-Days 1-20 - Part A will pay all approve costs for first 20d of
each benefit period -Days 21 to 100 - Part A will pay all costs
except for 12.5% (1/8) of current deductible as copay.
-Over 100 days - No benefit will be provided for that benefit
period.
Levels of Nursing Home Care -
ANSWER-Skilled
Intermediate
Custodial
Medicare only pays for skilled care
, Home Health Care - ANSWER-Individual must be confined to
home & under
care of physician who has establish a necessary home
health care plan.
-Prior hospitalization not
required
-First dollar coverage (no deductible
will apply)
-Providers must be approved
by CMS
-Patient must be unable to leave house without
assistance
Charges covered under Home Health Care - ANSWER--Part-time
or intermittent
skilled nursing care ( Up to 8h per day for 21
consecutive days )
-Physical, occupational or speech
therapy
-Medical social
services
-Consumable medical supplies e.g.
bandages
-80% of costs of DMEs (Durable Medical Equipments) e.g.
wheelchairs, hospital
