1.
Check all that apply: Medicare is a federal health insurance program for
Correct Answer(s)
A. People with disabilities who have been receiving Social Security Disability Insurance (SSDI) for more than 24 months
B. People 65 or older
D. People with End-Stage Renal Disease
E. Individuals diagnosed with AmyotropHic Lateral Sclerosis (ALS), commonly known as Lou Gehrig's Disease
Explanation
Medicare is a federal health insurance program that provides coverage for several groups of individuals. It is available for people with disabilities who have been receiving Social Security Disability Insurance (SSDI) for more than 24 months, as well as for individuals who are 65 or older. Additionally, Medicare provides coverage for people with End-Stage Renal Disease and individuals diagnosed with Amyotrophic Lateral Sclerosis (ALS), commonly known as Lou Gehrig's Disease. The program does not provide coverage for healthy children who need medical coverage.
2.
What does Medicare Part D cover?
Correct Answer
B. Prescription Drugs
Explanation
Medicare Part D covers prescription drugs. This means that it helps to pay for the cost of prescription medications that individuals need to manage their health conditions. It is a separate part of Medicare that can be added to Original Medicare or included in a Medicare Advantage plan. Medicare Part D plans are offered by private insurance companies and provide coverage for a wide range of prescription drugs, including both generic and brand-name medications. The coverage provided by Medicare Part D can help individuals afford the medications they need to stay healthy and manage their medical conditions.
3.
Original Medicare is Medicare services covered through a Medicare plan. True or False?
Correct Answer
B. False
Explanation
The statement is incorrect. Original Medicare refers to the traditional Medicare program, which includes Part A (hospital insurance) and Part B (medical insurance). It does not include any specific mention of Medicare services covered through a Medicare plan. Therefore, the correct answer is False.
4.
Medicare Part C is
Correct Answer
A. A Medicare Advantage Plan that covers both Medicare Part A and Part B insurance benefits.
Explanation
Medicare Part C, also known as a Medicare Advantage Plan, provides coverage for both Medicare Part A and Part B insurance benefits. This means that it includes hospital insurance (Part A) and medical insurance (Part B) coverage. Unlike other options listed, Medicare Part C is not limited to prescriptions, inpatient hospital stays, or preventative services only. It offers a comprehensive package of benefits that combines both Part A and Part B coverage.
5.
People that receive Medicare may be responsible for cost sharing, which may include
Correct Answer
E. All of the above.
Explanation
Medicare is a government health insurance program in the United States that provides coverage for individuals who are 65 years old or older, as well as certain younger individuals with disabilities. While Medicare covers a significant portion of healthcare costs, it does not cover everything. Therefore, people who receive Medicare may be responsible for cost sharing, which includes various types of payments. This can include monthly premium payments, co-pays (a fixed amount paid for certain services), coinsurance (a percentage of the cost of services), and deductibles (a set amount that must be paid before Medicare coverage begins). Therefore, the correct answer is "All of the above" as all of these forms of cost sharing may be applicable for Medicare recipients.
6.
Medicare beneficiaries who qualify to receive all Medicaid services are called
Correct Answer
B. Full Benefit Dual Eligibles.
Explanation
Full Benefit Dual Eligibles refers to Medicare beneficiaries who qualify to receive all Medicaid services. This means that they are eligible for both Medicare and Medicaid and can access a comprehensive range of healthcare services covered by both programs. The term "Full Benefit" signifies that these individuals have access to the full range of benefits provided by both Medicare and Medicaid.
7.
The QMB Program
Correct Answer
C. Allows qualified individuals to have Medicaid pay for their Medicare premiums, deductibles, and coinsurance.
Explanation
The QMB Program allows qualified individuals to have Medicaid pay for their Medicare premiums, deductibles, and coinsurance. This means that individuals who meet the eligibility criteria can receive financial assistance from Medicaid to cover the costs associated with their Medicare coverage, including premiums, deductibles, and coinsurance. This can help alleviate the financial burden for those who may struggle to afford these expenses on their own.
8.
The SLMB Program
Correct Answer
A. Allows qualified individuals to have Medicaid pay Medicare for Medicare Part B premiums.
Explanation
The SLMB Program allows qualified individuals to have Medicaid pay Medicare for Medicare Part B premiums. This means that individuals who meet the eligibility criteria can have their Medicare Part B premiums covered by Medicaid, reducing their out-of-pocket expenses for healthcare. This program helps to ensure that low-income individuals have access to necessary medical services without the burden of high premium costs.
9.
If a recipient has Medicare and Medicaid, Medicare is the primary insurance.
Correct Answer
A. True
Explanation
If a recipient has both Medicare and Medicaid, Medicare is considered the primary insurance. This means that Medicare will be the first insurance to pay for any medical services or treatments that the recipient receives. Medicaid, on the other hand, will act as the secondary insurance and will cover any remaining costs that Medicare does not cover. This is because Medicare is generally available to individuals who are 65 years or older, while Medicaid is a government program that provides healthcare coverage to low-income individuals and families. Therefore, Medicare takes precedence over Medicaid in terms of coverage.
10.
If a member has Medicare and a MMA Plan, and wants to know who is going to cover their services, the agent should advise the member that
Correct Answer
B. They should contact the MMA plan's case manager. The MMA plan is responsible for coordinating the member's care with Medicare and ensuring that the MMA plan does not authorize or provide duplicative services.
Explanation
The correct answer is to advise the member to contact the MMA plan's case manager. The MMA plan is responsible for coordinating the member's care with Medicare and ensuring that the MMA plan does not authorize or provide duplicative services. This means that the case manager will be able to provide the member with the necessary information regarding who will cover their services and prevent any duplication of services.
11.
Susan has Medicare and Medicaid. She wants to know which MMA plan is affiliated with her Medicare plan. How should the agent proceed?
Correct Answer
A. Refer Susan to Medicare.
Explanation
Since Susan has both Medicare and Medicaid, the agent should refer her to Medicare to find out which MMA plan is affiliated with her Medicare plan.
12.
According to the eligibility information in the hover, this recipient would be __________ for MMA.
Correct Answer
C. Excluded
Explanation
Based on the eligibility information provided in the hover, the recipient would be excluded from MMA.
13.
Barbara states she needs to know who is going to cover her inpatient stay for her surgery coming up next month. Barbara has Medicare and Better Health for her MMA Medicaid plan. What information should be provided to Barbara?
Correct Answer
C. Advise Barbara to contact Better Health to determine how the services are going to be covered.
Explanation
Barbara should contact Better Health to determine how her inpatient stay for her surgery will be covered. This is because Better Health is her MMA Medicaid plan, and they will have the information regarding coverage for her specific healthcare services. It is important for Barbara to verify with Better Health to ensure that her surgery expenses will be taken care of.
14.
Flora says she received a letter saying she is Medicaid eligible and she wants to choose a plan. She has been advised that the type of Medicaid she has will not allow her to enroll into a plan. Flora wants to know what kind of Medicaid she has and what she needs to do about health coverage. What information should be provided to Flora?
Correct Answer
C. Advise Flora that Medicare is her primary insurance and she has limited Medicaid coverage that picks up some of the out of pocket expenses from Medicare.
Explanation
The correct answer is to advise Flora that Medicare is her primary insurance and she has limited Medicaid coverage that picks up some of the out of pocket expenses from Medicare. This information is important for Flora to understand her current health coverage situation and what expenses are covered by Medicaid. It also helps her make informed decisions about her healthcare needs and options.
15.
Irene states she has Medicare and Medicaid. She wants to know who should be covering her doctor's visit today. What information should be provided to Irene?
Correct Answer
B. Advise Irene to contact Medicare to determine how services will be covered. Inform Irene that the type of Medicaid she has does not cover services and refer her to DCF for more information on her Medicaid coverage.
Explanation
Irene should be advised to contact Medicare to determine how her doctor's visit will be covered. Additionally, she should be informed that the type of Medicaid she has does not cover services, and she should be referred to the Department of Children and Families (DCF) for more information on her Medicaid coverage. This suggests that Irene's Medicaid will likely be secondary to Medicare for her doctor's visit.