CSA Certified Senior Advisor MCQ 2 — Questions and Answers
Question 1: Which federal program provides health insurance primarily for Americans aged 65 and older?
- Medicaid
- Medicare (Correct answer)
- TRICARE
- CHIP
Correct answer: Medicare
Medicare is the federal health insurance program for people 65 and older, and for certain younger people with disabilities.
Question 2: What is the primary distinction between Medicare Part A and Medicare Part B?
- Part A covers prescription drugs; Part B covers hospital care
- Part A covers hospital care; Part B covers outpatient and physician services (Correct answer)
- Part A covers dental; Part B covers vision
- Part A is optional; Part B is automatic
Correct answer: Part A covers hospital care; Part B covers outpatient and physician services
Medicare Part A covers inpatient hospital stays and skilled nursing facility care, while Part B covers outpatient services and physician visits.
Question 3: A senior client mentions they feel isolated since their spouse passed away. Which aspect of the CSA body of knowledge does this primarily address?
- Financial planning
- Social aspects of aging (Correct answer)
- Legal and ethical issues
- Physical health of aging
Correct answer: Social aspects of aging
Bereavement and social isolation fall under the social aspects of aging, a core domain in the CSA curriculum.
Question 4: Which cognitive change is considered a NORMAL part of aging rather than a sign of dementia?
- Getting lost in familiar neighborhoods
- Occasionally forgetting a word but recalling it later (Correct answer)
- Forgetting the names of close family members
- Inability to manage finances or pay bills
Correct answer: Occasionally forgetting a word but recalling it later
Occasional word-finding difficulty that resolves is a normal age-related change, whereas persistent memory loss interfering with daily life suggests pathology.
Question 5: Under the Elder Justice Act, which federal agency has primary responsibility for coordinating elder abuse prevention efforts?
- Department of Justice
- Department of Health and Human Services (Correct answer)
- Social Security Administration
- Department of Veterans Affairs
Correct answer: Department of Health and Human Services
The Elder Justice Act, part of the ACA, places coordination authority with the Department of Health and Human Services.
Question 6: What is a 'spend-down' in the context of Medicaid eligibility for long-term care?
- A required annual wellness visit cost
- The process of reducing assets to meet Medicaid financial thresholds (Correct answer)
- A penalty for early Medicare withdrawal
- A gift tax exemption strategy
Correct answer: The process of reducing assets to meet Medicaid financial thresholds
Medicaid spend-down refers to the legal process of reducing countable assets or income to qualify for Medicaid long-term care benefits.
Question 7: Which housing option allows older adults to retain home ownership while receiving a stream of income based on home equity?
- Continuing Care Retirement Community (CCRC)
- Reverse mortgage (Correct answer)
- Home equity line of credit (HELOC)
- Sale-leaseback arrangement
Correct answer: Reverse mortgage
A reverse mortgage allows homeowners aged 62+ to convert home equity into loan proceeds without selling, with repayment deferred until the home is sold or vacated.
CSA Certified Senior Advisor MCQ 2
Which federal program provides health insurance primarily for Americans aged 65 and older?