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No long-term care policy can pay a cash surrender value unless... correct answers The dividends or refunds are applied as a reduction of future premiums or an increase in benefits. Prior to enrolling in the Medigap policy, and insured was covered by a group health plan for 6 months. Which of the following is true regarding coverage for pre-existing conditions under the new Medigap policy? correct answers Pre-existing conditions will be covered immediately. A 72 year old woman works full-time for a company with 75 employees. She has her pulse coverage to her employer, but also has Medicare part a Medicare part B. Which of the following is the primary payer? correct answers Company plan because the employer has over 20 employees. Medicare Part A inpatient hospital care covers all of the following services EXCEPT... correct answers Private duty nursing. In North Carolina, the expected loss ratio for individual long-term care insurance is at least... correct answers 60%. A new patient received Her Medicare part B on January 1. She has her annual wellness visit on January 10 of next year. Medicare will... correct answers Pay for the examination. A woman purchased a Medigap policy on December 6. The policy was issued on December 20. The policy was mailed by the company to the agent on January 1. The agent did not deliver the policy to the applicant until March 1. The applicant, then, chose to return the policy on March 28. The insurance company has to... correct answers Refund all premiums collected. Medicare will pay all costs of care in a skilled nursing facility for the first... correct answers 20 days. Which of the following is EXCLUDED From coverage under Medicare part B? correct answers Custodial care received in the home. All of the following statements regarding rural health clinics are true EXCEPT... correct answers Coverage for ambulance services mandatory. A patient who has end-stage renal disease enrolled in Medicare on July 1 and started Receiving dialysis treatments at the same time. The Medicare coverage for the dialysis treatment will begin on... correct answers October 1. (Starting 4th month after dialysis treatment). An insured has end-stage renal disease and has started dialysis treatments. If he enrolls in Medicare, when will the coverage begin? correct answers On the 4th month of dialysis treatments. Medicare covered durable medical equipment includes all of the following EXCEPT... correct answers A van to transport the patient.