RMA Social Security & Medicare Benefits 2

Question 1

Medicare Part A primarily covers which of the following services?

Accepted Answer

Inpatient hospital stays and skilled nursing facility care

Answer

Medicare Part A is hospital insurance that covers inpatient hospital care, skilled nursing facility stays, hospice, and some home health services.

Question 2

Most Medicare-eligible individuals pay no premium for Part A because they or their spouse:

Accepted Answer

Paid Medicare payroll taxes for at least 40 quarters

Answer

Workers who paid Medicare payroll taxes for 40 or more quarters (10 years) earn premium-free Part A eligibility.

Question 3

The Income-Related Monthly Adjustment Amount (IRMAA) affects which Medicare premiums?

Accepted Answer

Parts B and D

Answer

IRMAA surcharges apply to Medicare Part B (medical insurance) and Part D (prescription drug) premiums for higher-income beneficiaries.

Question 4

What is the general enrollment period for Medicare Part B for individuals who did not enroll at initial eligibility?

Accepted Answer

January 1 – March 31 each year, with coverage starting July 1

Answer

The General Enrollment Period for Part B runs January 1 through March 31, with coverage beginning July 1, and a late enrollment penalty may apply.

Question 5

A client retires at age 63 and is covered under a spouse's employer group health plan. When must the client enroll in Medicare Part B without incurring a late enrollment penalty?

Accepted Answer

Within the 8-month Special Enrollment Period after the employer coverage ends

Answer

Individuals covered by an employer group plan based on current employment have an 8-month Special Enrollment Period once that coverage ends to enroll in Part B penalty-free.

RMA Practice Test

RMA Practice Test

RMA Social Security & Medicare Benefits 2