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North Carolina Medicare Supplement and Long-
Term Care Exam LATEST UPDATE THIS YEAR (2026-
2027) ALL 300 QUESTIONS AND CORRECT
ANSWERS WITH RATIONALES
North Carolina Medicare Supplement and Long-Term Care Exam
Comprehensive Practice Exam – 300 Randomized Questions
Question 1
A 67-year-old client asks whether Medicare will cover her stay in a skilled nursing facility
following a hip replacement. She has been in the hospital for four days. Which of the following
is required for Medicare to cover the skilled nursing facility stay?
A) The patient must have a diagnosis of a chronic illness
B) The patient must have spent at least three consecutive days as a hospital inpatient
C) The patient must be over age 70
D) The patient must have no other health insurance coverage
Answer: B
Medicare covers skilled nursing facility care only after a qualifying three-day inpatient hospital
stay, and the care must be for a condition treated during that stay.
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Question 2
An agent in North Carolina is helping a client replace an existing Medicare Supplement policy.
The client has had the current policy for eight months. How must the agent handle the pre-
existing condition waiting period?
A) The new policy can impose a full new six-month waiting period
B) The pre-existing condition waiting period must be waived entirely
C) The new policy can impose a waiting period only for conditions not disclosed
D) The new policy can impose a waiting period of up to 12 months
Answer: B
North Carolina law requires that when a Medigap policy is replaced and the prior policy was in
force for at least six months, the pre-existing condition waiting period is waived.
Question 3
A 72-year-old client with Original Medicare is considering purchasing a Medicare Supplement
policy. She asks what the maximum pre-existing condition waiting period is under North
Carolina law. What should the agent tell her?
A) 3 months
B) 6 months
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C) 9 months
D) 12 months
Answer: B
North Carolina law prohibits insurers from excluding coverage for pre-existing conditions for
more than six months following the effective date of a Medicare Supplement policy.
Question 4
A client is enrolled in both Medicare and Medicaid and currently receives prescription drug
coverage through Medicaid. Must this client enroll in Medicare Part D?
A) No, Medicaid coverage is sufficient
B) Yes, the client must transition prescription drug coverage to Part D
C) Only if the client is over age 70
D) Only if the client's Medicaid coverage is terminated
Answer: B
Individuals enrolled in both Medicare and Medicaid who receive prescription drug coverage
through Medicaid must enroll in Medicare Part D for their prescription drug coverage.
Question 5
Which of the following is considered an unfair trade practice in North Carolina when an agent
induces a policyholder to drop an existing policy through incomplete comparisons?
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A) Rebating
B) Twisting
C) Churning
D) Sliding
Answer: B
Twisting is a prohibited practice in North Carolina that involves making incomplete or
misleading comparisons of policies to persuade a policyholder to switch insurance carriers.
Question 6
A long-term care insurance policy has a 30-calendar day elimination period. The insured
becomes eligible for benefits and begins receiving care on April 15. When does the policy begin
paying benefits?
A) 30 days after the policy was issued
B) After the insured has received 30 days of care
C) 30 days after the triggering event
D) After the insured has received 30 weekdays of care
Answer: C
The elimination period begins when the insured meets the benefit triggers and starts receiving
care; benefits begin after the elimination period is satisfied.
4
North Carolina Medicare Supplement and Long-
Term Care Exam LATEST UPDATE THIS YEAR (2026-
2027) ALL 300 QUESTIONS AND CORRECT
ANSWERS WITH RATIONALES
North Carolina Medicare Supplement and Long-Term Care Exam
Comprehensive Practice Exam – 300 Randomized Questions
Question 1
A 67-year-old client asks whether Medicare will cover her stay in a skilled nursing facility
following a hip replacement. She has been in the hospital for four days. Which of the following
is required for Medicare to cover the skilled nursing facility stay?
A) The patient must have a diagnosis of a chronic illness
B) The patient must have spent at least three consecutive days as a hospital inpatient
C) The patient must be over age 70
D) The patient must have no other health insurance coverage
Answer: B
Medicare covers skilled nursing facility care only after a qualifying three-day inpatient hospital
stay, and the care must be for a condition treated during that stay.
1
, Page 2 of 165
Question 2
An agent in North Carolina is helping a client replace an existing Medicare Supplement policy.
The client has had the current policy for eight months. How must the agent handle the pre-
existing condition waiting period?
A) The new policy can impose a full new six-month waiting period
B) The pre-existing condition waiting period must be waived entirely
C) The new policy can impose a waiting period only for conditions not disclosed
D) The new policy can impose a waiting period of up to 12 months
Answer: B
North Carolina law requires that when a Medigap policy is replaced and the prior policy was in
force for at least six months, the pre-existing condition waiting period is waived.
Question 3
A 72-year-old client with Original Medicare is considering purchasing a Medicare Supplement
policy. She asks what the maximum pre-existing condition waiting period is under North
Carolina law. What should the agent tell her?
A) 3 months
B) 6 months
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C) 9 months
D) 12 months
Answer: B
North Carolina law prohibits insurers from excluding coverage for pre-existing conditions for
more than six months following the effective date of a Medicare Supplement policy.
Question 4
A client is enrolled in both Medicare and Medicaid and currently receives prescription drug
coverage through Medicaid. Must this client enroll in Medicare Part D?
A) No, Medicaid coverage is sufficient
B) Yes, the client must transition prescription drug coverage to Part D
C) Only if the client is over age 70
D) Only if the client's Medicaid coverage is terminated
Answer: B
Individuals enrolled in both Medicare and Medicaid who receive prescription drug coverage
through Medicaid must enroll in Medicare Part D for their prescription drug coverage.
Question 5
Which of the following is considered an unfair trade practice in North Carolina when an agent
induces a policyholder to drop an existing policy through incomplete comparisons?
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A) Rebating
B) Twisting
C) Churning
D) Sliding
Answer: B
Twisting is a prohibited practice in North Carolina that involves making incomplete or
misleading comparisons of policies to persuade a policyholder to switch insurance carriers.
Question 6
A long-term care insurance policy has a 30-calendar day elimination period. The insured
becomes eligible for benefits and begins receiving care on April 15. When does the policy begin
paying benefits?
A) 30 days after the policy was issued
B) After the insured has received 30 days of care
C) 30 days after the triggering event
D) After the insured has received 30 weekdays of care
Answer: C
The elimination period begins when the insured meets the benefit triggers and starts receiving
care; benefits begin after the elimination period is satisfied.
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