CSA Certified Senior Advisor Medicare and Medicaid for Seniors Questions and Answers 2

Question 1

What is a Medigap (Medicare Supplement) policy designed to do?

Accepted Answer

Cover out-of-pocket costs not paid by Original Medicare, such as copayments and deductibles

Answer

Medigap policies fill the 'gaps' in Original Medicare by covering cost-sharing expenses like copayments, coinsurance, and deductibles.

Question 2

The Medicare Savings Programs (MSPs) help low-income Medicare beneficiaries by:

Accepted Answer

Paying Medicare premiums, deductibles, and copays on their behalf

Answer

MSPs are state programs that help pay Medicare cost-sharing expenses for eligible low-income beneficiaries, easing their out-of-pocket burden.

Question 3

The Extra Help program (Low Income Subsidy) assists Medicare beneficiaries with:

Accepted Answer

Part D prescription drug costs, including premiums, deductibles, and copays

Answer

Extra Help (also called the Low Income Subsidy or LIS) reduces or eliminates Part D costs for eligible low-income Medicare beneficiaries.

Question 4

What does the Medicare Annual Wellness Visit (AWV) include?

Accepted Answer

A personalized prevention plan and health risk assessment, with no physical exam required

Answer

The AWV creates or updates a personalized prevention plan based on a health risk assessment but does not include a traditional physical exam.

Question 5

Which of the following is NOT a countable asset for Medicaid long-term care eligibility purposes?

Accepted Answer

The primary residence (if spouse or dependent resides there)

Answer

The primary home is generally exempt from Medicaid asset calculations if a spouse, minor child, or disabled dependent continues to live there.

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