Life and Health California Exam Medicare and Medicaid 2

Question 1

Medicare Supplement (Medigap) policies are primarily designed to:

Accepted Answer

Cover gaps in Original Medicare such as deductibles, copayments, and coinsurance

Answer

Replace Original Medicare with comprehensive private coverage

Answer

Provide prescription drug coverage not included in Medicare Part A or B

Answer

Pay for long-term custodial care in a nursing home

Question 2

How many standardized Medigap plan letters are currently available to most Medicare beneficiaries in most states?

Accepted Answer

10 standardized plans

Answer

5 standardized plans

Answer

8 standardized plans

Answer

14 standardized plans

Question 3

Medicare Advantage (Part C) plans are required to cover at minimum:

Accepted Answer

All services covered under Original Medicare Part A and Part B

Answer

Only inpatient hospital services covered under Part A

Answer

Only preventive services and wellness programs

Answer

Prescription drugs and dental services exclusively

Question 4

Under Medicaid eligibility rules, which population group is typically given the highest priority for coverage?

Accepted Answer

Low-income individuals, families, pregnant women, elderly, and disabled persons

Answer

Middle-income adults without disabilities or dependent children

Answer

Retired federal and state government employees only

Answer

Individuals who have exhausted their Medicare benefits

Question 5

During the annual Medicare Part D Open Enrollment Period, beneficiaries are permitted to:

Accepted Answer

Add, drop, or switch Part D prescription drug plans for the following year

Answer

Enroll in or change their Part D plan only once every five years

Answer

Switch Part D plans only if relocating to a different state

Answer

Enroll in Part D only if they have no existing creditable drug coverage

Question 6

Medicare Part A covers skilled nursing facility (SNF) care only after a qualifying inpatient hospital stay of at least how many consecutive days?

Accepted Answer

3 consecutive days

Answer

1 consecutive day

Answer

2 consecutive days

Answer

5 consecutive days

Question 7

In California, the state's Medicaid program is known by which name?

Accepted Answer

Medi-Cal

Answer

CalMed

Answer

CaliCare

Answer

Golden State Health