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Question 1

Medicaid's 'spend-down' provision allows seniors to qualify for benefits by:

Accepted Answer

Reducing countable assets to the state's resource limit

Answer

Medicaid spend-down requires seniors to reduce their countable assets to the program's resource limit through allowable expenditures before qualifying for benefits.

Question 2

What is the 'Medicare donut hole' (coverage gap) in Part D?

Accepted Answer

A temporary gap where beneficiaries pay more for prescription drugs after initial coverage

Answer

The Part D coverage gap (donut hole) is a phase where beneficiaries historically paid more out-of-pocket for drugs after total drug costs exceeded an initial coverage limit.

Question 3

What is Medicaid's 'estate recovery' program?

Accepted Answer

A state's right to recover Medicaid costs from a beneficiary's estate after death

Answer

Medicaid estate recovery allows states to recoup costs paid for nursing home and other long-term care services from the deceased beneficiary's estate.

Question 4

Which Medicare benefit covers a senior's need for medically necessary part-time skilled nursing care at home?

Accepted Answer

Medicare Home Health benefit

Answer

The Medicare Home Health benefit covers part-time skilled nursing, physical therapy, and home health aide services for homebound beneficiaries.

Question 5

What is the Medicare 'Initial Coverage Election Period' (ICEP) for Part D?

Accepted Answer

The 7-month window around a person's 65th birthday to enroll in Part D

Answer

The ICEP for Part D aligns with the Initial Enrollment Period—three months before, the month of, and three months after turning 65.

(CSS) Certified Senior Specialist Practice Test

(CSS) Certified Senior Specialist Practice Test

CSS CSS Medicare & Medicaid Benefits 2