CMS Medicare Specialist Coverage Planning Options 3

Question 1

A client with Medicare Parts A and B wants to add drug coverage. They choose a standalone Part D plan. Which Medicare Supplement plan covers the Part B excess charges that Original Medicare may not fully cover?

Accepted Answer

Plan G

Answer

Medicare Supplement Plan G covers Part B excess charges, protecting beneficiaries who see providers that do not accept Medicare assignment.

Question 2

What is the Medicare Advantage Open Enrollment Period (OEP) and when does it occur?

Accepted Answer

January 1–March 31; allows MA enrollees to switch MA plans or return to Original Medicare once

Answer

The MA OEP runs January 1 through March 31 and allows current MA enrollees to make one plan change or switch back to Original Medicare.

Question 3

Which of the following best describes a Medicare Medical Savings Account (MSA) plan?

Accepted Answer

A high-deductible Medicare Advantage plan paired with a tax-advantaged savings account funded by Medicare

Answer

MSA plans combine a high-deductible Medicare Advantage plan with a special savings account that Medicare deposits money into to help pay medical costs.

Question 4

A client has both Medicare and Medicaid (dual eligible). Which statement about their coverage coordination is correct?

Accepted Answer

Medicare is the primary payer and Medicaid is the payer of last resort

Answer

For dual-eligible beneficiaries, Medicare always pays first as the primary payer, and Medicaid may cover remaining cost-sharing as the payer of last resort.

Question 5

What is a Medicare Advantage Special Needs Plan (SNP) and who qualifies?

Accepted Answer

A plan specifically designed for individuals with certain diseases, dual eligibles, or institutionalized individuals

Answer

SNPs are Medicare Advantage plans tailored to specific populations: chronic condition SNPs (C-SNPs), dual-eligible SNPs (D-SNPs), or institutional SNPs (I-SNPs).

(CMS) Certified Medicare Specialist Practice Test

(CMS) Certified Medicare Specialist Practice Test

CMS Medicare Specialist Coverage Planning Options 3