Free Senior and Special Needs Practice Questions
North Carolina Accident & Health exam — 130 practice questions.
Subtopics: Medicare Part A, Medicare Part B, Medicare supplement, Long-term care, Med supp/LTC authority, Preexisting conditions over 65, Medigap outline of coverage, Medigap free look, Medigap preexisting conditions, Attained-age disclosure, Medigap for disabled under 65, Medigap after managed care, Medigap replacement commissions, Medigap advertising, SHIIP, LTC free look, LTC renewability, LTC prior hospitalization, LTC preexisting conditions, LTC levels of care, LTC prior institutional stay, LTC nonforfeiture offer, LTC suitability, LTC worksheet timing, LTC outline of coverage, LTC Partnership training, LTC Partnership ongoing CE, Medicare supplement caution, Medicare eligibility, Part A premium, Medicare Part C, Medicare Part D, Medicare gaps, Medicare Supplement purpose, Standardized Medigap, Medigap open enrollment, Medicare Select, Medicaid, Excessive coverage, LTC purpose, Skilled care, Custodial care, Benefit triggers, Home health care, Respite care, Adult day care, Inflation protection, Nonforfeiture LTC, Partnership LTC, Tax-qualified LTC, Medicare initial enrollment period, Medicare general enrollment period, Part B late enrollment penalty, Part D late enrollment penalty, Part D coverage gap, Part A benefit period, Lifetime reserve days, Medicare Advantage plan types, Medigap core benefits, High-deductible Medigap, Medigap guaranteed issue rights, Medicaid spend-down, Dual eligible beneficiaries, Medicare Savings Programs, Intermediate care, Activities of daily living, LTC elimination period, LTC pool of money, Indemnity vs reimbursement LTC, LTC pre-existing condition limitation, LTC replacement and suitability, Hospice care, Assisted living facility benefit, Hybrid life and LTC policy, Medicare exclusions, Medicare secondary payer, LTC eligibility, LTC provisions, LTC underwriting, LTC features, LTC tax, Medicare SELECT
Read the Senior and Special Needs study guide
Sample questions & answers
1. Medicare Part A primarily helps cover:
Inpatient hospital care
Medicare Part A is hospital insurance covering inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
2. Medicare Part B primarily helps cover:
Physician services and outpatient care
Medicare Part B is medical insurance covering physician services, outpatient care, and certain preventive services, generally requiring a monthly premium.
3. What is the main function of a Medicare supplement (Medigap) policy?
Paying Original Medicare's deductibles and coinsurance
Medigap policies fill cost-sharing gaps in Original Medicare such as deductibles and coinsurance; North Carolina prohibits Medicare supplement policies from duplicating benefits Medicare already provides.
4. Long-term care insurance is intended to cover:
Custodial and skilled care over a long period
Long-term care insurance covers extended assistance with activities of daily living in settings such as the home, assisted living, or a nursing facility, which Medicare generally does not cover.
Practice: Senior and Special Needs
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
