UHC MEDICARE BASIC TEST 2025/2026
FULL PACK COMPLETE QUESTIONS AND
VERIFIED SOLUTIONS WITH RATIONALES ||
100% GUARANTEED PASS <LATEST
VERSION>
Section 1: Medicare Parts A, B, C & D Fundamentals
1. What does Medicare Part A primarily cover?
A) Doctor's visits and outpatient care
B) Prescription drugs
C) Inpatient hospital stays, skilled nursing facility care, hospice, and some home health
care
D) Dental and vision care
Rationale: Part A is known as "Hospital Insurance." It covers inpatient services.
2. What is the main coverage provided by Medicare Part B?
A) Hospital insurance
B) Medical insurance for doctor's services, outpatient care, durable medical equipment,
and preventive services
C) Prescription drug coverage
D) Extra benefits like dental and hearing
Rationale: Part B is "Medical Insurance" and covers medically necessary services and
preventive services to maintain health.
3. What is a Medicare Advantage Plan (Part C)?
A) A supplement to Original Medicare that pays for out-of-pocket costs.
B) A way to get prescription drug coverage.
C) An alternative to Original Medicare offered by private companies like UHC that bundle
Parts A, B, and usually D.
D) A program for people with low income.
Rationale: Medicare Advantage Plans are offered by private insurers approved by
Medicare and provide all Part A and Part B benefits, often including Part D and extra
benefits.
,4. What does Medicare Part D cover?
A) Hospital deductibles
B) Outpatient surgery costs
C) Prescription drugs
D) Medical transportation
Rationale: Part D is the prescription drug coverage portion of Medicare, offered through
private insurers.
5. Who is eligible for Medicare?
A) Only people over age 70
B) People 65 or older, some younger people with disabilities, and people with End-Stage
Renal Disease
C) Anyone who is a U.S. citizen
D) Only people with low income
*Rationale: Eligibility is primarily based on age (65+), but also includes specific
circumstances like disability or ESRD.*
6. What is the standard premium for Medicare Part B in 2025?
A) It is free for everyone.
B) $0
C) The amount is set annually by the Centers for Medicare & Medicaid Services (CMS).
D) A flat rate of $200 per month.
Rationale: The Part B premium is recalculated every year by CMS. While the exact 2025
figure was not finalized at the time of this writing, it is a standard, known cost.
7. What is the difference between Original Medicare and a Medicare Advantage Plan?
A) Original Medicare provides extra benefits like gym memberships.
B) Medicare Advantage typically has a network of providers, while Original Medicare
allows you to see any provider that accepts Medicare nationwide.
C) There is no difference; they are the same thing.
D) Original Medicare always includes prescription drug coverage.
Rationale: A key distinction is that Original Medicare offers nationwide access to any
Medicare-accepting provider, while most Medicare Advantage Plans have provider
networks (HMOs, PPOs).
8. If you have Original Medicare (Parts A and B), what can you add to get more
comprehensive coverage?
A) A Medicare Supplement Insurance (Medigap) policy
, B) A separate dental plan only
C) Another Part B plan
D) Nothing; Original Medicare is already comprehensive.
Rationale: Medigap policies are specifically designed to work with Original Medicare to
help pay for out-of-pocket costs like deductibles and coinsurance.
9. What is the Initial Enrollment Period (IEP) for Medicare?
A) A period to switch Medicare Advantage plans every year.
B) The 7-month period when you first become eligible for Medicare.
C) Only the month of your 65th birthday.
D) The first 3 months of the calendar year.
*Rationale: The IEP is a 7-month window that begins 3 months before the month you
turn 65, includes your birthday month, and ends 3 months after.*
10. What is a key reason someone might choose a Medicare Advantage PPO plan over an
HMO plan?
A) PPOs never have networks.
B) PPOs typically offer some coverage for out-of-network providers, while HMOs
generally do not.
C) PPOs are always less expensive than HMOs.
D) PPOs do not cover prescription drugs.
Rationale: The flexibility to see providers outside the network (usually at a higher cost) is
a primary feature of PPO plans.
Section 2: Costs, Premiums, Deductibles & Co-pays
11. What is a Medicare Part A deductible?
A) A yearly amount you pay for outpatient services.
B) An amount you pay for each prescription drug.
C) An amount you pay for each benefit period before Medicare covers inpatient hospital
stays.
D) A monthly fee for Part A coverage.
Rationale: The Part A deductible is per benefit period, not per year. A benefit period
starts when you go into the hospital and ends when you haven't had inpatient care for 60
days in a row.
12. For Part B services, after you pay the annual deductible, what do you typically pay?
A) Nothing; Medicare pays 100%.
B) A monthly premium only.
FULL PACK COMPLETE QUESTIONS AND
VERIFIED SOLUTIONS WITH RATIONALES ||
100% GUARANTEED PASS <LATEST
VERSION>
Section 1: Medicare Parts A, B, C & D Fundamentals
1. What does Medicare Part A primarily cover?
A) Doctor's visits and outpatient care
B) Prescription drugs
C) Inpatient hospital stays, skilled nursing facility care, hospice, and some home health
care
D) Dental and vision care
Rationale: Part A is known as "Hospital Insurance." It covers inpatient services.
2. What is the main coverage provided by Medicare Part B?
A) Hospital insurance
B) Medical insurance for doctor's services, outpatient care, durable medical equipment,
and preventive services
C) Prescription drug coverage
D) Extra benefits like dental and hearing
Rationale: Part B is "Medical Insurance" and covers medically necessary services and
preventive services to maintain health.
3. What is a Medicare Advantage Plan (Part C)?
A) A supplement to Original Medicare that pays for out-of-pocket costs.
B) A way to get prescription drug coverage.
C) An alternative to Original Medicare offered by private companies like UHC that bundle
Parts A, B, and usually D.
D) A program for people with low income.
Rationale: Medicare Advantage Plans are offered by private insurers approved by
Medicare and provide all Part A and Part B benefits, often including Part D and extra
benefits.
,4. What does Medicare Part D cover?
A) Hospital deductibles
B) Outpatient surgery costs
C) Prescription drugs
D) Medical transportation
Rationale: Part D is the prescription drug coverage portion of Medicare, offered through
private insurers.
5. Who is eligible for Medicare?
A) Only people over age 70
B) People 65 or older, some younger people with disabilities, and people with End-Stage
Renal Disease
C) Anyone who is a U.S. citizen
D) Only people with low income
*Rationale: Eligibility is primarily based on age (65+), but also includes specific
circumstances like disability or ESRD.*
6. What is the standard premium for Medicare Part B in 2025?
A) It is free for everyone.
B) $0
C) The amount is set annually by the Centers for Medicare & Medicaid Services (CMS).
D) A flat rate of $200 per month.
Rationale: The Part B premium is recalculated every year by CMS. While the exact 2025
figure was not finalized at the time of this writing, it is a standard, known cost.
7. What is the difference between Original Medicare and a Medicare Advantage Plan?
A) Original Medicare provides extra benefits like gym memberships.
B) Medicare Advantage typically has a network of providers, while Original Medicare
allows you to see any provider that accepts Medicare nationwide.
C) There is no difference; they are the same thing.
D) Original Medicare always includes prescription drug coverage.
Rationale: A key distinction is that Original Medicare offers nationwide access to any
Medicare-accepting provider, while most Medicare Advantage Plans have provider
networks (HMOs, PPOs).
8. If you have Original Medicare (Parts A and B), what can you add to get more
comprehensive coverage?
A) A Medicare Supplement Insurance (Medigap) policy
, B) A separate dental plan only
C) Another Part B plan
D) Nothing; Original Medicare is already comprehensive.
Rationale: Medigap policies are specifically designed to work with Original Medicare to
help pay for out-of-pocket costs like deductibles and coinsurance.
9. What is the Initial Enrollment Period (IEP) for Medicare?
A) A period to switch Medicare Advantage plans every year.
B) The 7-month period when you first become eligible for Medicare.
C) Only the month of your 65th birthday.
D) The first 3 months of the calendar year.
*Rationale: The IEP is a 7-month window that begins 3 months before the month you
turn 65, includes your birthday month, and ends 3 months after.*
10. What is a key reason someone might choose a Medicare Advantage PPO plan over an
HMO plan?
A) PPOs never have networks.
B) PPOs typically offer some coverage for out-of-network providers, while HMOs
generally do not.
C) PPOs are always less expensive than HMOs.
D) PPOs do not cover prescription drugs.
Rationale: The flexibility to see providers outside the network (usually at a higher cost) is
a primary feature of PPO plans.
Section 2: Costs, Premiums, Deductibles & Co-pays
11. What is a Medicare Part A deductible?
A) A yearly amount you pay for outpatient services.
B) An amount you pay for each prescription drug.
C) An amount you pay for each benefit period before Medicare covers inpatient hospital
stays.
D) A monthly fee for Part A coverage.
Rationale: The Part A deductible is per benefit period, not per year. A benefit period
starts when you go into the hospital and ends when you haven't had inpatient care for 60
days in a row.
12. For Part B services, after you pay the annual deductible, what do you typically pay?
A) Nothing; Medicare pays 100%.
B) A monthly premium only.
