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Social Security & Medicare Benefits Flashcards

7 cards from real RMA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Social Security & Medicare Benefits flashcards as text

  1. Medicare Part A primarily covers which of the following services?

    Answer: Inpatient hospital stays and skilled nursing facility care

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

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

    Answer: Paid Medicare payroll taxes for at least 40 quarters

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

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

    Answer: Parts B and D

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

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

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

    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.

  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?

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

    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.

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

    Answer: All services covered by Original Medicare Parts A and B

    By law, Medicare Advantage plans must cover all services included in Original Medicare Parts A and B, though they may structure cost-sharing differently.

  7. Which coordination-of-benefits rule generally applies when a retiree has both Medicare and retiree employer health coverage?

    Answer: Medicare pays primary and retiree coverage is secondary

    For retirees (not actively employed), Medicare is the primary payer and retiree employer health coverage is secondary.