Life and Health California Exam Medicare and Medicaid 3

Question 1

How long does the Medicare Initial Enrollment Period (IEP) last for individuals turning 65?

Accepted Answer

7 months — 3 months before, the birth month, and 3 months after

Answer

3 months centered on the birth month

Answer

6 months beginning the month of the 65th birthday

Answer

12 months beginning on the 65th birthday

Question 2

Which part of Medicare covers hospice care for terminally ill beneficiaries?

Accepted Answer

Medicare Part A

Answer

Medicare Part B

Answer

Medicare Part C (Medicare Advantage)

Answer

Medicare Part D

Question 3

A beneficiary who delays enrolling in Medicare Part B beyond their Initial Enrollment Period without qualifying for a Special Enrollment Period will face:

Accepted Answer

A late enrollment penalty of 10% of the Part B premium for each full 12-month period of delay

Answer

Permanent denial of Part B coverage

Answer

A one-time flat penalty fee added to the first premium payment

Answer

A reduction in their Medicare Part A hospital benefits

Question 4

Which of the following services is generally NOT covered by Original Medicare (Parts A and B)?

Accepted Answer

Routine dental care and cleanings

Answer

Inpatient hospital stays

Answer

Home health care services ordered by a physician

Answer

Outpatient ambulatory surgery

Question 5

Medigap policies sold to newly eligible Medicare beneficiaries after January 1, 2020 may no longer cover which benefit?

Accepted Answer

The Medicare Part B annual deductible

Answer

Medicare Part A hospital coinsurance

Answer

The Medicare Part A inpatient deductible

Answer

Skilled nursing facility coinsurance after day 20

Question 6

Which of the following best describes a 'dual eligible' individual?

Accepted Answer

Someone who qualifies for and is enrolled in both Medicare and Medicaid

Answer

Someone enrolled in both Medicare Part A and Medicare Part B

Answer

Someone enrolled in both a Medigap policy and a Medicare Advantage plan simultaneously

Answer

Someone covered under two separate employer-sponsored health insurance plans

Question 7

Under Medicare, a 'benefit period' ends when a beneficiary has been out of a hospital or skilled nursing facility for how many consecutive days?

Accepted Answer

60 consecutive days

Answer

30 consecutive days

Answer

45 consecutive days

Answer

90 consecutive days