NORTH CAROLINA MEDICARE
SUPPLEMENT AND LONG-TERM CARE
EXAM 2026-2027 WITH ACTUAL CORRECT
QUESTIONS AND VERIFIED DETAILED
ANSWERS |CURRENTLY TESTING
QUESTIONS AND SOLUTIONS|ALREADY
GRADED A+|NEWEST|BRAND NEW VERSION
!!|GUARANTEED PASS
A tax-qualified long-term care insurance policy enables policy owners deduct premiums as a
medical expense and to also do which of the following:
A. Receive unlimited benefits tax free
B. Receive limited benefits tax free
C. Receive a partial return of premium if no claim is filed within ten years
D. Receive a partial return of premium if no claim is filed within three years
B. Receive limited benefits tax free
J received the following home health services: housekeeping, shopping, custodial care and
physical therapy. Which of these services will be covered by Medicare Part A?
A. Housekeeping
B. Shopping
C. Custodial Care
D. Physical therapy
D. Physical therapy
When can individuals change from Original Medicare to Part C Medicare coverage?
During open enrollment.
The open enrollment period is Oct. 15th to Dec. 7th, with coverage beginning on Jan. 1st.
Which of the following is covered by Medicare Part C:
1|Page
,A. Skilled nursing facility care
B. Doctors' services
C. Occupational therapy
D. Managed care plans
D. Managed care plans
An agent's commission for the sale of a medicare supplement policy in the first year following
its effective date cannot exceed what percentage of the commission paid for servicing the policy
in the second year?
200
After being released from a week's stay in the hospital, Jim's doctor orders him into a into a
skilled nursing facility for wound care. How long will Medicare Part A cover 100% of the
approved charges in the facility?
20 days
Longer elimination periods reduce the __________
Premium amount
S is enrolled in a group health plan that is scheduled to terminate on March 1st. When can he
enroll in Medicare Part B without having to pay the 10 percent premium surcharge?
During the eight month period following the month his group coverage ends.
G is applying for Medicare supplement Plan C. At what point must the insurer give her an
outline of coverage?
At the time of application
Long-term coverage differs from Medigap in what way?
Long-term care coverage provides custodial care
How much is the penalty for delaying in Medicare Part A or Part B beyond the initial enrollment
period?
10%
Who regionally manages policy and payment related to reimbursement and payment for
medicare?
Medicare Administrative Contractors
2|Page
,Medicare Part B supplement insurance is:
Voluntary
Individual long-term care policies are generally available to individuals between the ages of
40 and 85
Medicare Parts A and B have gaps in their coverage where subscribers must pay for their
coverage. What do these gaps include?
The Part A deductible and daily co-payments for hospitalization and nursing home care and the
part B deductible, which requires 20% coinsurance or copayments
Prescription drug coverage is covered by:
Medicare Part D
What serves as the primary point of contact for provider enrollment and Medicare coverage:
A. LCDs
B. AQOs
C. QIOs
D. MAC's
D. MAC's (Medicare Administrative Contractors)
For what type of North Carolina residents will Medicare-Aid pay for their Medicare Part B
Premiums only?
A specified low income beneficiary
Medicare supplements Plans K and L pay what percent of Medicare coinsurance, co-pays and
deductibles after the insured's annual out-of-pocket limit is reached?
100%
G's medicare select plan offers the same benefits as the coverage provided under a standard
plan. So why are G's medicare select plan premiums lower than those for a standard Medicare
supplement policy?
Select plans offer the same coverage that is provided under a standard plan. However,
participants must obtain covered services through the plan's network.
Another common name for Part C is which of the following:
3|Page
, A. Medicare Supplement
B. Medicare Advantage
C. Medigap
D. Medicare + Choice
B. Medicare Advantage
Which of the following services would not be covered by Medicare Part A?
A. Home health aide services
B. Full-time skilled care
C. Intermittent skilled care
D. Durable medical equipment and supplies
B. Full-time skilled care
To be eligible for medicare someone must have been a permanent legal residents for at least
how many consecutive years?
A. 1
B. 5
C. 7
D. 10
B. 5
Medicare makes what payment for services in which another player may be responsible?
A. Transitional payment
B. Conditional payment
C. Temporary payment
D. Interim payment
B. Conditional payment
What benefits are not covered by a medicare special needs plan?
A. Part A coverages
B. Parts A & B deductibles + coinsurance amounts
C. Part B Coverages
D. Prescription drug coverage under Part D
B. Parts A & B deductibles + coinsurance amounts
4|Page
SUPPLEMENT AND LONG-TERM CARE
EXAM 2026-2027 WITH ACTUAL CORRECT
QUESTIONS AND VERIFIED DETAILED
ANSWERS |CURRENTLY TESTING
QUESTIONS AND SOLUTIONS|ALREADY
GRADED A+|NEWEST|BRAND NEW VERSION
!!|GUARANTEED PASS
A tax-qualified long-term care insurance policy enables policy owners deduct premiums as a
medical expense and to also do which of the following:
A. Receive unlimited benefits tax free
B. Receive limited benefits tax free
C. Receive a partial return of premium if no claim is filed within ten years
D. Receive a partial return of premium if no claim is filed within three years
B. Receive limited benefits tax free
J received the following home health services: housekeeping, shopping, custodial care and
physical therapy. Which of these services will be covered by Medicare Part A?
A. Housekeeping
B. Shopping
C. Custodial Care
D. Physical therapy
D. Physical therapy
When can individuals change from Original Medicare to Part C Medicare coverage?
During open enrollment.
The open enrollment period is Oct. 15th to Dec. 7th, with coverage beginning on Jan. 1st.
Which of the following is covered by Medicare Part C:
1|Page
,A. Skilled nursing facility care
B. Doctors' services
C. Occupational therapy
D. Managed care plans
D. Managed care plans
An agent's commission for the sale of a medicare supplement policy in the first year following
its effective date cannot exceed what percentage of the commission paid for servicing the policy
in the second year?
200
After being released from a week's stay in the hospital, Jim's doctor orders him into a into a
skilled nursing facility for wound care. How long will Medicare Part A cover 100% of the
approved charges in the facility?
20 days
Longer elimination periods reduce the __________
Premium amount
S is enrolled in a group health plan that is scheduled to terminate on March 1st. When can he
enroll in Medicare Part B without having to pay the 10 percent premium surcharge?
During the eight month period following the month his group coverage ends.
G is applying for Medicare supplement Plan C. At what point must the insurer give her an
outline of coverage?
At the time of application
Long-term coverage differs from Medigap in what way?
Long-term care coverage provides custodial care
How much is the penalty for delaying in Medicare Part A or Part B beyond the initial enrollment
period?
10%
Who regionally manages policy and payment related to reimbursement and payment for
medicare?
Medicare Administrative Contractors
2|Page
,Medicare Part B supplement insurance is:
Voluntary
Individual long-term care policies are generally available to individuals between the ages of
40 and 85
Medicare Parts A and B have gaps in their coverage where subscribers must pay for their
coverage. What do these gaps include?
The Part A deductible and daily co-payments for hospitalization and nursing home care and the
part B deductible, which requires 20% coinsurance or copayments
Prescription drug coverage is covered by:
Medicare Part D
What serves as the primary point of contact for provider enrollment and Medicare coverage:
A. LCDs
B. AQOs
C. QIOs
D. MAC's
D. MAC's (Medicare Administrative Contractors)
For what type of North Carolina residents will Medicare-Aid pay for their Medicare Part B
Premiums only?
A specified low income beneficiary
Medicare supplements Plans K and L pay what percent of Medicare coinsurance, co-pays and
deductibles after the insured's annual out-of-pocket limit is reached?
100%
G's medicare select plan offers the same benefits as the coverage provided under a standard
plan. So why are G's medicare select plan premiums lower than those for a standard Medicare
supplement policy?
Select plans offer the same coverage that is provided under a standard plan. However,
participants must obtain covered services through the plan's network.
Another common name for Part C is which of the following:
3|Page
, A. Medicare Supplement
B. Medicare Advantage
C. Medigap
D. Medicare + Choice
B. Medicare Advantage
Which of the following services would not be covered by Medicare Part A?
A. Home health aide services
B. Full-time skilled care
C. Intermittent skilled care
D. Durable medical equipment and supplies
B. Full-time skilled care
To be eligible for medicare someone must have been a permanent legal residents for at least
how many consecutive years?
A. 1
B. 5
C. 7
D. 10
B. 5
Medicare makes what payment for services in which another player may be responsible?
A. Transitional payment
B. Conditional payment
C. Temporary payment
D. Interim payment
B. Conditional payment
What benefits are not covered by a medicare special needs plan?
A. Part A coverages
B. Parts A & B deductibles + coinsurance amounts
C. Part B Coverages
D. Prescription drug coverage under Part D
B. Parts A & B deductibles + coinsurance amounts
4|Page
