North Carolina Medicare Supplement
and Long-Term Care Practice Exam
Questions and Answers 100% Pass 2025
An individual who is not eligible for premium-free Medicare Part A
coverage may apply for coverage during which of the following enrollment
periods?
A. All of the above
B. Initial enrollment period
C. General enrollment period
D. Special enrollment period - ✔✔ANSW✔✔,,,..A. All of the above
Medicare makes what payment for services in which another payer may
be responsible:
A. Conditional payment
B. Interim payment
C. Transitional payment
D. Temporary payment - ✔✔ANSW✔✔,,,..A. Conditional payment
Insurers must offer inflation protection in which of the following policies?
A. Medicare Part C
B. Medigap
C. Long-Term Care
D. Medicaid - ✔✔ANSW✔✔,,,..C. Long-Term Care
,What program safeguards against unnecessary and inappropriate medical
care rendered to Medicaid recipients?
A. Medicaid review program
B. Utilization renew program
C. Quality improvement organization
D. Utilization review program - ✔✔ANSW✔✔,,,..D. Utilization review
program
Which of the following is not a requirement for long-term care plans?
A. The individual must be unable to perform at least two ADLs
B. Inflation protection must be provided
C. Policies must accrue cash value
D. Coveraged cannot reimburse insureds for medical expenses or
services covered by Medicare. - ✔✔ANSW✔✔,,,..C. Policies must accrue
cash value.
Which entity handles claims from hospitals, skilled nursing facilities,
home health agencies and hospices?
A. Carrier
B. Intermediary
C. Quality Improvement Organization
D. Utilization Review Committee - ✔✔ANSW✔✔,,,..B. Intermediary
What is the term for private organizations that administer Medicare Part B
benefits?
A. Carriers
B. Medical Providers
,C. Intermediaries
D. Peer review organizations - ✔✔ANSW✔✔,,,..A. Carriers
All of the following are requirements for long-term care and medigap
policy except:
A. The agent must provide the applicant with a notice regarding
replacement
B. The notice regarding replacement must contain the free look period
C. The notice regarding replacement explains the replacing coverage in
comparison to the existing coverage
D. A 60-day free look period must be provided - ✔✔ANSW✔✔,,,..D. A 60-
day free look period must be provided.
Which of the following is not an optional benefit provided by long-term
care policies?
A. Inflation protection
B. Guaranteed insurability
C. Nonforfeiture options
D. Guaranteed renewable or noncancelable - ✔✔ANSW✔✔,,,..D.
Guaranteed renewable or noncancelable
All of the following are required to qualify for Medicare's nursing facility
benefit except:
A. The patient must spend at least three days in a hospital within 30 past
days
B. The patient must meet stated income limits
C. The patient's physician must certify that skilled care is required
D. The patient must enter a Medicare-certified skilled nursing facility -
✔✔ANSW✔✔,,,..B. The patient must meet stated income limits
, Medical coverage is provided by:
A. Medicare Part A
B. Medicare Part B
C. Medicare Part C
D. Medicare Part D - ✔✔ANSW✔✔,,,..B. Medicare Part B
If an individual enrolls in medicare before their birthday month and their
birthday is NOT the first day of the month, when does coverage begin? -
✔✔ANSW✔✔,,,..The first day of their birthday month
B's long-term care insurance policy has a 30-calendar day elimination
period. He became eligible for long-term care benefits and started
receiving care on May 1. At what point will his policy begin paying
benefits?
A. After Bill has received 30 days of weekday care
B. After Bill has received 30 days of care
C. 30 days after the policy is issued
D. 30 days after the triggering event - ✔✔ANSW✔✔,,,..D. 30 days after
the triggering event
What are the benefit triggers of tax-qualified long-term care insurance
policies? - ✔✔ANSW✔✔,,,..Physical impairment or severe cognitive
impairment
Hospital coverage is provided by:
A. Medicare Part A
B. Medicare Part B
C. Medicare Part C
and Long-Term Care Practice Exam
Questions and Answers 100% Pass 2025
An individual who is not eligible for premium-free Medicare Part A
coverage may apply for coverage during which of the following enrollment
periods?
A. All of the above
B. Initial enrollment period
C. General enrollment period
D. Special enrollment period - ✔✔ANSW✔✔,,,..A. All of the above
Medicare makes what payment for services in which another payer may
be responsible:
A. Conditional payment
B. Interim payment
C. Transitional payment
D. Temporary payment - ✔✔ANSW✔✔,,,..A. Conditional payment
Insurers must offer inflation protection in which of the following policies?
A. Medicare Part C
B. Medigap
C. Long-Term Care
D. Medicaid - ✔✔ANSW✔✔,,,..C. Long-Term Care
,What program safeguards against unnecessary and inappropriate medical
care rendered to Medicaid recipients?
A. Medicaid review program
B. Utilization renew program
C. Quality improvement organization
D. Utilization review program - ✔✔ANSW✔✔,,,..D. Utilization review
program
Which of the following is not a requirement for long-term care plans?
A. The individual must be unable to perform at least two ADLs
B. Inflation protection must be provided
C. Policies must accrue cash value
D. Coveraged cannot reimburse insureds for medical expenses or
services covered by Medicare. - ✔✔ANSW✔✔,,,..C. Policies must accrue
cash value.
Which entity handles claims from hospitals, skilled nursing facilities,
home health agencies and hospices?
A. Carrier
B. Intermediary
C. Quality Improvement Organization
D. Utilization Review Committee - ✔✔ANSW✔✔,,,..B. Intermediary
What is the term for private organizations that administer Medicare Part B
benefits?
A. Carriers
B. Medical Providers
,C. Intermediaries
D. Peer review organizations - ✔✔ANSW✔✔,,,..A. Carriers
All of the following are requirements for long-term care and medigap
policy except:
A. The agent must provide the applicant with a notice regarding
replacement
B. The notice regarding replacement must contain the free look period
C. The notice regarding replacement explains the replacing coverage in
comparison to the existing coverage
D. A 60-day free look period must be provided - ✔✔ANSW✔✔,,,..D. A 60-
day free look period must be provided.
Which of the following is not an optional benefit provided by long-term
care policies?
A. Inflation protection
B. Guaranteed insurability
C. Nonforfeiture options
D. Guaranteed renewable or noncancelable - ✔✔ANSW✔✔,,,..D.
Guaranteed renewable or noncancelable
All of the following are required to qualify for Medicare's nursing facility
benefit except:
A. The patient must spend at least three days in a hospital within 30 past
days
B. The patient must meet stated income limits
C. The patient's physician must certify that skilled care is required
D. The patient must enter a Medicare-certified skilled nursing facility -
✔✔ANSW✔✔,,,..B. The patient must meet stated income limits
, Medical coverage is provided by:
A. Medicare Part A
B. Medicare Part B
C. Medicare Part C
D. Medicare Part D - ✔✔ANSW✔✔,,,..B. Medicare Part B
If an individual enrolls in medicare before their birthday month and their
birthday is NOT the first day of the month, when does coverage begin? -
✔✔ANSW✔✔,,,..The first day of their birthday month
B's long-term care insurance policy has a 30-calendar day elimination
period. He became eligible for long-term care benefits and started
receiving care on May 1. At what point will his policy begin paying
benefits?
A. After Bill has received 30 days of weekday care
B. After Bill has received 30 days of care
C. 30 days after the policy is issued
D. 30 days after the triggering event - ✔✔ANSW✔✔,,,..D. 30 days after
the triggering event
What are the benefit triggers of tax-qualified long-term care insurance
policies? - ✔✔ANSW✔✔,,,..Physical impairment or severe cognitive
impairment
Hospital coverage is provided by:
A. Medicare Part A
B. Medicare Part B
C. Medicare Part C
