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

The Initial Enrollment Period spans 7 months: the 3 months before the month of the 65th birthday, the birthday month itself, and the 3 months following.

Question 2

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

Accepted Answer

Medicare Part A

Answer

Medicare Part A covers hospice care for beneficiaries who are certified as terminally ill with a life expectancy of 6 months or less and who choose palliative rather than curative care.

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

Medicare imposes a 10% late enrollment penalty on the Part B premium for each full 12-month period the beneficiary was eligible but did not enroll, and this penalty generally lasts as long as they have Part B.

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

Original Medicare does not cover routine dental care, including cleanings, fillings, or dentures; these must be covered through separate dental insurance or Medicare Advantage plans with dental benefits.

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

Under the Medicare Access and CHIP Reauthorization Act (MACRA), Medigap plans sold to newly eligible beneficiaries after January 1, 2020 cannot cover the Part B deductible, eliminating Plans C and F for new enrollees.

Life and Health California Exam Practice Test

Life and Health California Exam Practice Test

Life and Health California Exam Medicare and Medicaid 3