Life and Health California Exam Medicare and Medicaid 1 — Questions and Answers
Question 1: Medicare Part A primarily covers which type of care?
- Prescription drug benefits
- Inpatient hospital care (Correct answer)
- Outpatient physician services
- Routine dental and vision care
Correct answer: Inpatient hospital care
Medicare Part A is the hospital insurance portion that covers inpatient hospital stays, skilled nursing facility care following a qualifying hospital stay, hospice care, and some home health care.
Question 2: Medicare Part B covers which of the following services?
- Inpatient hospital stays
- Skilled nursing facility care after hospitalization
- Outpatient medical services and physician visits (Correct answer)
- Hospice care for terminal illness
Correct answer: Outpatient medical services and physician visits
Medicare Part B is the medical insurance portion that covers outpatient services, physician visits, preventive care, durable medical equipment, and some home health services.
Question 3: To qualify for premium-free Medicare Part A, an individual must have worked at least how many quarters of Medicare-covered employment?
- 20 quarters (5 years)
- 30 quarters (7.5 years)
- 40 quarters (10 years) (Correct answer)
- 60 quarters (15 years)
Correct answer: 40 quarters (10 years)
An individual who has paid Medicare taxes for at least 40 quarters (10 years) of covered employment qualifies for premium-free Part A at age 65.
Question 4: The Medicare Part A deductible is applied on which basis?
- Each calendar year
- Each benefit period (Correct answer)
- Each month of hospitalization
- Each individual hospital admission regardless of timing
Correct answer: Each benefit period
The Medicare Part A deductible applies per benefit period, which begins upon admission to a hospital and ends after 60 consecutive days without inpatient care.
Question 5: Medicaid is funded through which funding arrangement?
- The federal government only
- State governments only
- Both the federal government and state governments jointly (Correct answer)
- Medicare trust fund surpluses
Correct answer: Both the federal government and state governments jointly
Medicaid is a joint federal and state program; the federal government sets baseline eligibility and coverage requirements, while states administer the program and share costs.
Question 6: Medicare Part D provides coverage for which of the following?
- Dental and vision care for seniors
- Outpatient prescription drug coverage (Correct answer)
- Durable medical equipment and supplies
- Mental health inpatient hospital services
Correct answer: Outpatient prescription drug coverage
Medicare Part D is the voluntary outpatient prescription drug benefit offered through private plans approved by Medicare.
Question 7: Which of the following individuals would NOT be automatically eligible for Medicare at age 65?
- A person already receiving Social Security retirement benefits
- A person with 40 quarters of covered employment who has not applied
- A non-citizen who has never worked in the U.S. and does not meet residency requirements (Correct answer)
- A person diagnosed with end-stage renal disease before age 65
Correct answer: A non-citizen who has never worked in the U.S. and does not meet residency requirements
Non-citizens who lack sufficient work history and do not meet the legal residency requirements cannot automatically qualify for Medicare at age 65; they may be able to purchase coverage.
Life and Health California Exam Medicare and Medicaid 1
Medicare Part A primarily covers which type of care?