Free Senior and Special Needs Practice Questions
West Virginia Life, Accident & Health exam — 131 practice questions.
Subtopics: Medicare eligibility, Medicare Part A financing, Medigap purpose, Medicare Part B cost sharing, Home health care, Adult day care, Chronically ill certification, LTC producer training, Medicare SELECT, Special needs plan, LTC suitability, Replacement of LTC, Medigap free look, Medigap preexisting conditions, Medigap outline of coverage, Guide for People with Medicare, Duplicate Medigap, Medigap commissions, Medigap replacement waiting periods, Medigap replacement notice, Notice to buyer, Cold lead advertising, High pressure tactics, Medigap suspension for Medicaid, Medigap and Medicare Advantage, Medigap advertising, Usual and customary, Guaranteed issue window, Medigap terms, LTC definition, LTC free look, LTC cancellation, LTC preexisting conditions, LTC prior hospitalization, LTC prior institutional stay, LTC skilled care only, LTC outline of coverage, LTC shopper's guide, LTC contestability - early, LTC contestability - two years, LTC field issue, LTC benefits on rescission, LTC nonforfeiture offer, LTC lapse designee, LTC lapse notice, LTC cognitive reinstatement, Activities of daily living, LTC benefit triggers, LTC ongoing training, LTC producer license, LTC training records, LTC training content, LTC replacement questions, LTC rescission period - first six months, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Medicare supplement, Medicaid, Long-term care, Part A financing, Part A benefit period, Part B enrollment, Initial enrollment period, Part D late penalty, Medicare exclusions, Medigap core benefits, Medigap duplication, LTC elimination period, LTC benefit pool, LTC inflation protection, LTC cognitive trigger, Tax-qualified LTC, LTC renewability, Levels of care, Assisted living, Medicare Advantage, Medicare enrollment, Social Security
Read the Senior and Special Needs study guide
Sample questions & answers
1. Eligibility for Medicare generally begins for most people at:
Age 65, or earlier with certain disabilities
Most people become eligible for Medicare at age 65, with earlier eligibility for certain disabilities or conditions.
2. Medicare Part A is financed primarily through:
Payroll (FICA) taxes paid while working
Medicare Part A is funded chiefly by payroll taxes, so most beneficiaries pay no premium for Part A.
3. A Medicare Supplement (Medigap) policy is designed to:
Help pay costs Medicare does not, such as deductibles and coinsurance
Medigap policies help cover gaps in Medicare such as deductibles, copayments, and coinsurance.
4. Medicare Part B generally requires the beneficiary to pay:
A monthly premium and an annual deductible, then coinsurance
Part B enrollees generally pay a monthly premium and an annual deductible, then coinsurance (typically 20 percent of the Medicare-approved amount) for covered services.
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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.
