MEDICARE EXAM WITH CORRECT ACTUAL
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST ALREADY
GRADED A+ 2025 – 2026
You work for a company that has marketed Medigap
products for many years. The company has added MA and
Part D plans and you will begin marketing those plans this
fall. You are planning what materials to use to easily show
the differences in benefits, premiums and cost sharing for
each of the products. What do you need to do with your
materials before using them for marketing purposes?
MODULE 4 - ANSWERS-You must submit your materials to
the plan you represent, so CMS can review and approve the
materials to ensure they are accurate.
What statement about state laws as they pertain to
marketing representatives?
MODULE 4 - ANSWERS-Medicare health plans must comply
with requests for information from state insurance depts.
investigating complaints about a marketing representative.
,You are seeking to represent an individual MA and
individual Part D plan in your state. You have completed the
required training for each plan, but you did not achieve a
passing score on the tests that came after the training.
MODULE 4 - ANSWERS-You will NOT be able to represent
any MA or Part D plan until you complete the training and
achieve an adequate score, although you will NOT have to
take a test if you exclusively market employer/union group
plans and the companies do not require testing.
Your colleague works at a third party marketing organization
(TMO) and she said she did not need to take the Medicare
training for brokers and agents or pass a test to market
Medicare plans since her contract is with the TMO, not the
plans that have the products she sells. MODULE 4 -
ANSWERS-You could tell her she is WRONG, and that only
agents selling employer/union group plans are permitted an
exemption from testing, but some employer/union group
plans may require testing to promote agent compliance with
CMS marketing requirements.
Diaz continued working with his company and was insured
under his employer's group plan until he reached 68 years
old. He ahs heard that there is a premium penalty for those
who did not sign up for Part B when first eligible and wants
to know how much he will have to pay.
,Module 1 - ANSWERS-The penalty will be permanent 10%
increase in his Part B premium for every 12 month period
that passed during which he could have enrolled and did
not.
Mrs. Pena is 66 years old, has coverage under an employer
plan and will retire next year. She heard she must enroll in
Part B at the beginning of the year to ensure no gap in
coverage.
Module 1 - ANSWERS-She may not enroll in Part B while
covered under an employer group health plan and must
wait until the standard general enrollment period after she
retires.
Mrs. Kelly is entitles to Part A, but is not yet enrolled in Part
B. She is considering enrollment in a Medicare health plan.
What should you advise her to do before she will be able to
enroll into a Medicare health plan?
Module 1 - ANSWERS-In order to join a Medicare plan, she
also must enroll in Part B.
Toma has a low, fixed income. What could you tell her that
might be of assistance?
, Module 1 - ANSWERS-She should contact her state Medicaid
agency to see if she qualifies for one of several programs
that can help with Medicare costs for which she is
responsible.
Yu has limited income and resources so you have
encouraged him to see if he qualifies for some type of
financial assistance. Mr. Yu is not sure it is worth the trouble
to apply and wants to know what the assistance could do
for him if he qualifies.
Module 1 - ANSWERS-He might qualify for help with Part D
costs and help paying Part and/or Part B premiums,
deductibles, and/or cost sharing
Patel is in good health and is preparing a budget in
anticipation of his retirement when he turns 66. He wants to
understand the health care costs he might be exposed to
under Medicare if he were to require hospitalization as a
result of an illness. In general terms, what could you tell him
about his costs for inpatient hospital services under Original
Medicare?
Module 1 - ANSWERS-Under original Medicare, there is a
single deductible amt. due for the first 60 days of any
inpatient hospital stay, after which it converts into a per day
amt. through day 90. after day 90, he would pay a daily amt.
QUESTIONS AND CORRECTLY WELL
DEFINED ANSWERS LATEST ALREADY
GRADED A+ 2025 – 2026
You work for a company that has marketed Medigap
products for many years. The company has added MA and
Part D plans and you will begin marketing those plans this
fall. You are planning what materials to use to easily show
the differences in benefits, premiums and cost sharing for
each of the products. What do you need to do with your
materials before using them for marketing purposes?
MODULE 4 - ANSWERS-You must submit your materials to
the plan you represent, so CMS can review and approve the
materials to ensure they are accurate.
What statement about state laws as they pertain to
marketing representatives?
MODULE 4 - ANSWERS-Medicare health plans must comply
with requests for information from state insurance depts.
investigating complaints about a marketing representative.
,You are seeking to represent an individual MA and
individual Part D plan in your state. You have completed the
required training for each plan, but you did not achieve a
passing score on the tests that came after the training.
MODULE 4 - ANSWERS-You will NOT be able to represent
any MA or Part D plan until you complete the training and
achieve an adequate score, although you will NOT have to
take a test if you exclusively market employer/union group
plans and the companies do not require testing.
Your colleague works at a third party marketing organization
(TMO) and she said she did not need to take the Medicare
training for brokers and agents or pass a test to market
Medicare plans since her contract is with the TMO, not the
plans that have the products she sells. MODULE 4 -
ANSWERS-You could tell her she is WRONG, and that only
agents selling employer/union group plans are permitted an
exemption from testing, but some employer/union group
plans may require testing to promote agent compliance with
CMS marketing requirements.
Diaz continued working with his company and was insured
under his employer's group plan until he reached 68 years
old. He ahs heard that there is a premium penalty for those
who did not sign up for Part B when first eligible and wants
to know how much he will have to pay.
,Module 1 - ANSWERS-The penalty will be permanent 10%
increase in his Part B premium for every 12 month period
that passed during which he could have enrolled and did
not.
Mrs. Pena is 66 years old, has coverage under an employer
plan and will retire next year. She heard she must enroll in
Part B at the beginning of the year to ensure no gap in
coverage.
Module 1 - ANSWERS-She may not enroll in Part B while
covered under an employer group health plan and must
wait until the standard general enrollment period after she
retires.
Mrs. Kelly is entitles to Part A, but is not yet enrolled in Part
B. She is considering enrollment in a Medicare health plan.
What should you advise her to do before she will be able to
enroll into a Medicare health plan?
Module 1 - ANSWERS-In order to join a Medicare plan, she
also must enroll in Part B.
Toma has a low, fixed income. What could you tell her that
might be of assistance?
, Module 1 - ANSWERS-She should contact her state Medicaid
agency to see if she qualifies for one of several programs
that can help with Medicare costs for which she is
responsible.
Yu has limited income and resources so you have
encouraged him to see if he qualifies for some type of
financial assistance. Mr. Yu is not sure it is worth the trouble
to apply and wants to know what the assistance could do
for him if he qualifies.
Module 1 - ANSWERS-He might qualify for help with Part D
costs and help paying Part and/or Part B premiums,
deductibles, and/or cost sharing
Patel is in good health and is preparing a budget in
anticipation of his retirement when he turns 66. He wants to
understand the health care costs he might be exposed to
under Medicare if he were to require hospitalization as a
result of an illness. In general terms, what could you tell him
about his costs for inpatient hospital services under Original
Medicare?
Module 1 - ANSWERS-Under original Medicare, there is a
single deductible amt. due for the first 60 days of any
inpatient hospital stay, after which it converts into a per day
amt. through day 90. after day 90, he would pay a daily amt.
