FreeExam

Medicare Product Training Examination

Medicare parts, enrollment periods, and supplement products.

Insurance exams are administered by state insurance departments, designation sponsors, and actuarial societies. FreeExam is not affiliated with those organizations, and these questions are original practice, not an official test.

  1. 1.A new client asks what Medicare is. Which statement should you give?

  2. 2.Nora is admitted as a hospital inpatient. Under Original Medicare, which part is hospital insurance for that stay?

  3. 3.Luis has an office visit and outpatient treatment. Which part is medical insurance for those services?

  4. 4.What is Medicare Advantage?

  5. 5.Helen has Original Medicare and wants a private plan that pays for prescriptions. Which part is that drug coverage?

  6. 6.Which parts make up Original Medicare?

  7. 7.What does a Medicare Supplement, also called Medigap, do?

  8. 8.Sam is in Medicare Advantage and wants a Medigap policy to pay those same claims. What should you say?

  9. 9.Rita turns 65 in July. Which span is her initial enrollment period?

  10. 10.When is the annual election period for Medicare Advantage and Part D, and when does the new choice take effect?

  11. 11.During Medicare Advantage open enrollment, what may a person who is already in a Medicare Advantage plan do?

  12. 12.Which dates are the Medicare Advantage open enrollment period?

  13. 13.This example uses a Part B premium of $200. The person could have had Part B and did not, while eligible, for two full 12-month periods. What is the monthly late-enrollment penalty?

  14. 14.This example uses a Part B premium of $150. The person could have had Part B and did not, while eligible, for 18 months. That span has one full 12-month period. What is the monthly penalty?

  15. 15.This example uses a Part D base beneficiary premium of $40. The person went 8 months with no creditable drug coverage. What is the monthly Part D late penalty?

  16. 16.Which coverage can keep a person from owing a Part D late penalty for the months that coverage was in force?

  17. 17.Before Medicare skilled-nursing coverage can apply, what hospital history is required?

  18. 18.A qualifying stay is still receiving skilled care. What is the maximum Medicare skilled-nursing benefit in one benefit period?

  19. 19.A family asks Medicare to pay a nursing home for bathing, dressing, and meals. There is no skilled-care need. What is true?

  20. 20.A client with a terminal illness elects hospice. Which part provides that hospice benefit?

  21. 21.Which item belongs to Part B rather than Part A?

  22. 22.Ida has Parts A and B only. She wants help with deductibles and coinsurance left by Original Medicare. Which product fits?

  23. 23.Which statement keeps Medicare and Medicaid straight?

  24. 24.During an inpatient stay, the hospital submits a facility bill and the surgeon submits a professional bill. Which split is correct under Original Medicare?

  25. 25.Marco joins a Medicare Advantage plan. Which benefits must that plan cover?

  26. 26.Which pairing of the annual election period and Medicare Advantage open enrollment is correct?

  27. 27.This example uses a Part B premium of $180. The person could have had Part B and did not, while eligible, for three full 12-month periods. What is the monthly penalty?

  28. 28.This example uses a Part D base beneficiary premium of $30. The person had 10 months without creditable drug coverage. What is the monthly penalty?

  29. 29.In this example a qualifying skilled-nursing stay has $0 daily coinsurance on days 1 through 20 and $50 a day on days 21 through 100. Care is skilled after a 3-day inpatient admission. What is the daily coinsurance on day 10?

  30. 30.A qualifying skilled-nursing stay in this example charges $0 a day for days 1 through 20 and $50 a day for days 21 through 100. What is the daily coinsurance on day 40?

  31. 31.Owen spent two nights in a hospital and was never admitted as an inpatient. He then needs skilled care in a nursing facility. How does the stay rule apply?

  32. 32.Which statement about Medicare Advantage and drugs is accurate?

  33. 33.Camille turns 65 in November. Which set of months is her initial enrollment period?

  34. 34.A client expects Medicare to pay a nursing home for life for help with meals and dressing. There is no skilled need. Which reply is accurate?

  35. 35.Which service is the Part A hospice benefit?

  36. 36.This example uses a Part B premium of $100. The person could have had Part B and did not, while eligible, for four full 12-month periods. What is the monthly penalty?

  37. 37.This example uses a Part D base beneficiary premium of $50. There were 6 months without creditable drug coverage. What is the monthly penalty?

  38. 38.Elena is in a Medicare Advantage plan in February and wants Original Medicare again. What can she do during Medicare Advantage open enrollment?

  39. 39.Who offers a Medicare Advantage plan?

  40. 40.Ken has Parts A and B and is not in Medicare Advantage. He buys a policy that pays some of that cost sharing. What did he buy?

  41. 41.Which window is the initial enrollment period?

  42. 42.A Medicare Advantage or Part D choice made during the annual election period takes effect on which date?

  43. 43.Which statement is a misrepresentation?

  44. 44.Which statement about home health is correct?

  45. 45.This example uses a Part B premium of $250. The person could have had Part B and did not, while eligible, for one full 12-month period. What is the monthly penalty?

  46. 46.This example uses a Part D base beneficiary premium of $20. The person lacked creditable drug coverage for 15 months. What is the monthly penalty?

  47. 47.How do the skilled-nursing day ranges work when the stay qualifies?

  48. 48.A client asks which program is built around financial need. Which answer keeps the programs distinct?

  49. 49.Under Original Medicare, outpatient hospital services are covered by which part?

  50. 50.Frank has left Medicare Advantage and is back on Original Medicare. Which product is built to fill Part A and Part B cost gaps?

  51. 51.Which list is the Part A benefit set?

  52. 52.Which list is the Part B benefit set?

  53. 53.Leah is in a Medicare Advantage plan on February 10 and wants a different Medicare Advantage plan. Which period allows that switch?

  54. 54.This example uses a Part B premium of $220. The person could have had Part B and did not, while eligible, for 30 months. That span has two full 12-month periods. What is the monthly penalty?

  55. 55.This example uses a Part D base beneficiary premium of $35. The person had no creditable drug coverage for 12 months. What is the monthly penalty?

  56. 56.Why can Medicare deny a nursing-home bill that is only for bathing, meals, and supervision?

  57. 57.A skilled-nursing claim already shows skilled care. What else must be true?

  58. 58.Greg elects hospice because of a terminal illness. Under Medicare, that hospice benefit is which part?

  59. 59.Which description of the annual election period is correct?

  60. 60.Nina delays Part D while she has employer drug coverage that is creditable. How does the late penalty treat those months?

  61. 61.A trainer holds up Part A and Part B. Together, those parts are which product?

  62. 62.This example uses a Part B premium of $160. The person could have had Part B and did not, while eligible, for five full 12-month periods. What is the monthly penalty?

  63. 63.This example uses a Part D base beneficiary premium of $25. The person went 4 months without creditable drug coverage. What is the monthly penalty?

  64. 64.In this example, qualifying skilled-nursing days 1 through 20 are $0 a day and days 21 through 100 are $80 a day. What is the coinsurance on day 21?

  65. 65.Can a client use a Medicare Supplement to pay Medicare Advantage copays for the same coverage?

  66. 66.Which person is using the initial enrollment period?

  67. 67.A Medicare Advantage plan includes drug coverage. What is still true about that plan?

  68. 68.How does a person get Part D coverage?

  69. 69.This example uses a Part B premium of $90. The person could have had Part B and did not, while eligible, for six full 12-month periods. What is the monthly penalty?

  70. 70.This example uses a Part D base beneficiary premium of $60. The person had 5 months without creditable drug coverage. What is the monthly penalty?

  71. 71.What is the maximum length of the Medicare skilled-nursing benefit in one benefit period?

  72. 72.A patient had a 2-day inpatient hospital stay, then went to a nursing facility for skilled care. Which statement is correct?

  73. 73.Bea needs a walker that qualifies as durable medical equipment. Under Original Medicare, which part covers it?

  74. 74.Which action fits the annual election period?

  75. 75.Tom is in a Medicare Advantage plan on March 1 and wants Original Medicare this month. Which statement is correct?

  76. 76.This example uses a Part B premium of $130. The person could have had Part B and did not, while eligible, for 36 months. That is three full 12-month periods. What is the monthly penalty?

  77. 77.This example uses a Part D base beneficiary premium of $45. The person went 20 months without creditable drug coverage. What is the monthly penalty?

  78. 78.A client says Medicare and Medicaid are the same program. Which correction is right?

  79. 79.Skilled nursing under Part A is not which of the following?

  80. 80.Which fact belongs to the initial enrollment period rather than the annual election period?

  81. 81.Ana has Original Medicare and a separate private plan for prescriptions. That drug plan is which part?

  82. 82.Which pairing is correct?

  83. 83.This example uses a Part B premium of $210. The person could have had Part B and did not, while eligible, for one full 12-month period. What is the monthly penalty?

  84. 84.This example uses a Part D base beneficiary premium of $55. The person had 2 months without creditable drug coverage. What is the monthly penalty?

  85. 85.In this example, days 1 through 20 of a qualifying skilled-nursing stay are $0 a day and days 21 through 100 are $40 a day. The stay still qualifies on the last day. What is the daily coinsurance on day 100?

  86. 86.Which statement is a misrepresentation of Medicare Advantage?

  87. 87.Joel has Part A and Part B. He does not want Medicare Advantage. He wants help with deductibles and coinsurance. Which product fits?

  88. 88.How is the Part B late-enrollment penalty measured?

  89. 89.How is the Part D late-enrollment penalty measured?

  90. 90.On February 2, during Medicare Advantage open enrollment, a client returns to Original Medicare. Which product conversation fits?

  91. 91.Which services fall under Part B?

  92. 92.Carla turns 65 in January. Which month is inside her initial enrollment period and comes after the birthday month?

  93. 93.This example uses a Part B premium of $175. The person could have had Part B and did not, while eligible, for four full 12-month periods. What is the monthly penalty?

  94. 94.This example uses a Part D base beneficiary premium of $32. The person had 25 months without creditable drug coverage. What is the monthly penalty?

  95. 95.Which statement about hospice should you give a client?

  96. 96.A client wants a Medicare Advantage or Part D change to take effect on January 1 through the annual election period. When is that period?

  97. 97.A skilled-nursing claim shows skilled care, but the inpatient hospital stay was only 1 day. What is the result?

  98. 98.This example uses a Part B premium of $300. The person could have had Part B and did not, while eligible, for two full 12-month periods. What is the monthly penalty?

  99. 99.This example uses a Part D base beneficiary premium of $48. The person had 10 months without creditable drug coverage. What is the monthly penalty?

  100. 100.Which description of a client's coverage is accurate?

  101. 101.A person is already in a Medicare Advantage plan during January. What may that person do in Medicare Advantage open enrollment?

  102. 102.After a hospital stay, a client needs part-time skilled nursing at home. Which part can cover some home health?

  103. 103.This example uses a Part B premium of $140. The person could have had Part B and did not, while eligible, for two full 12-month periods. Creditable drug coverage was in place the whole time. What is the monthly Part B penalty?

  104. 104.This example uses a Part D base beneficiary premium of $36. The person had creditable drug coverage for every month before joining Part D. What is the Part D late penalty for those months?

  105. 105.Which item falls outside the Medicare skilled-nursing benefit?

  106. 106.A private plan covers Part A and Part B benefits and also includes drugs. When that plan is Medicare Advantage, which part is it?

  107. 107.In this example, skilled-nursing days 1 through 20 are $0 a day and days 21 through 100 are $65 a day. The patient had a qualifying 3-day inpatient stay and still needs skilled care. What is the daily coinsurance on day 5?

  108. 108.A client asks how Original Medicare, Medicare Advantage, and a Medicare Supplement fit together. Which explanation is accurate?