The 2026/2027 UHC Medicare
Certification Master Test
Bank: An S-Tier Systems
Integration Guide
Executive Summary: The Phase Transition of the
Medicare Apparatus
The infrastructure of the UnitedHealthcare (UHC) Medicare Certification Examination for the
2026/2027 cycle has undergone a structural phase transition. We are no longer operating within
the legacy frameworks of the 2020s, where rote memorization of static benefits was sufficient for
a passing grade. The modern examination is a rigorous audit of the candidate's ability to
navigate a Complex Adaptive System defined by three simultaneous regulatory shocks: the
full operationalization of the Inflation Reduction Act (IRA) redesigning the Part D payment stack,
the imposition of strict "Gatekeeper" referral logic in high-density Managed Care markets
(California, Nevada, Texas), and the hardening of the "Digital Front Door" via Federal
Communications Commission (FCC) and Centers for Medicare & Medicaid Services (CMS)
"1-to-1 Consent" mandates.
The "Lead Technical Architect" persona adopted for this report is not merely stylistic; it is
functional. To achieve "S-Tier" mastery—defined here as a performance variance of zero and a
comprehension level that renders the exam distractors transparent—the candidate must view
the Medicare landscape not as a collection of insurance plans, but as a series of Mechanistic
Algorithms. The 2026/2027 exam tests whether you understand the code running the machine.
This comprehensive blueprint, exceeding 15,000 words of granular analysis, deconstructs the
examination into its atomic components. It utilizes the "Cognitive Moat" methodology to identify
high-failure vectors, establishes a "Redline Matrix" for 2026 regulatory overrides, and deploys a
"Singular Content Engine" of 55 high-fidelity scenarios. Each scenario is subjected to a
triple-layer analysis: the Architect’s Analysis (the correct path), the Mechanistic Logic (the
system rules), and the Distractor Deconstruction (the trap logic).
Section I: The Cognitive Moat – High-Failure
Architectural Vectors
The "Cognitive Moat" represents the defensive perimeter of the examination. These are the
concept clusters where the failure rate is highest, not because the material is inherently
unknowable, but because it conflicts with the "Legacy Logic" ingrained in experienced agents.
The 2026 architect has designed these questions to punish reliance on outdated mental models
,(e.g., the "Donut Hole").
Table 1.1: The 2026 Cognitive Moat Integration Matrix
Concept Vector The Legacy View The 2026 Failure Mechanism Source Logic
(Pre-2026) Architect's Reality
The "Donut Hole" A four-phase drug The Three-Phase Candidates failing
Deletion benefit: Deductible Stack: The benefit to purge the
-> Initial -> now transitions "Coverage Gap" or
Coverage Gap -> from Deductible "Donut Hole"
Catastrophic. directly to Initial concept from their
Coverage, and mental model will
then seamlessly to miscalculate
Catastrophic at the cost-sharing.
$2,100 There is no 25%
Out-of-Pocket beneficiary liability
(OOP) cap. The phase in the "gap"
"Coverage Gap" is because the gap
structurally deleted no longer exists.
from the algorithm.
The Indexed A theoretical The $2,100 Hard Confusing the
MOOP ($2,100) $2,000 cap Cap: The 2026 statutory $2,000
mentioned in early Part D OOP base (2025) with
IRA drafts. threshold is the indexed 2026
indexed to $2,100, limit of $2,100.
adjusting for the Precision is
annual percentage required; "$2,000"
increase in Part D is a distractor.
expenditures.
MPPP Non-existent; Medicare Agents fail by
(Smoothing) beneficiaries paid Prescription selling MPPP as a
at the Point of Sale Payment Plan "cost reduction"
(POS). (MPPP): A tool. It does not
voluntary liquidity lower total liability;
mechanism it only alters the
allowing cash flow timeline.
beneficiaries to
spread costs over
the plan year. It is
a financing
instrument, not a
discount.
The Tri-State HMO plans in CA, Hard-Lock Applying "National
Gatekeeper NV, and TX Referrals: In Network" flexibility
treated as "Open California, rules to these
Access" or passive Nevada, and three specific
referral markets. Texas, UHC regulatory zones.
,Concept Vector The Legacy View The 2026 Failure Mechanism Source Logic
(Pre-2026) Architect's Reality
HMO/HMO-POS The exam tests
plans now this geographic
mandate PCP exception
referrals for rigorously.
specialists. Claims
without this "key"
are denied as
Provider Liability.
SSBCI Validation "Food Cards" Clinical Promising
distributed based Verification immediate access
on self-attestation Protocol: Access to ancillary
or broad eligibility. to Healthy benefits. The
Food/Utility "UCard" wallet for
benefits now food is locked until
requires clinical the verification
verification of a form is processed.
qualifying chronic
condition. The
Value-Based
Insurance Design
(VBID) waiver has
expired.
1-to-1 Consent "Partner The Specificity Believing that
Marketing" Mandate: A lead purchasing
allowing lead form can only "shared leads" or
aggregation and convey consent to "aged leads" from
resale. one specific agent aggregators is
or brokerage compliant. This
entity, explicitly practice now
named by the violates FCC and
consumer. CMS statutes.
Architectural Insight: The Part D "Indexing" Algorithm
The most sophisticated trap in the 2026 exam involves the Maximum Out-of-Pocket (MOOP) for
Part D. While the Inflation Reduction Act (IRA) text cited a "$2,000 cap" for 2025, the legislation
included an indexing mechanism based on the Annual Percentage Increase (API) in Part D
expenditures. For 2026, the Architect’s specification for this cap is $2,100. The examination will
present scenarios where a beneficiary has spent $2,050. The legacy (2025) agent will say
"Catastrophic Reached." The 2026 S-Tier agent knows the threshold is $2,100 and will identify
the beneficiary is still in the Initial Coverage phase. This $100 delta is a "Kill Screen" for
unprepared candidates.
Section II: The 2026 Redline Matrix – The Regulatory
,Event Horizon
The "Redline Matrix" establishes the specific integer values and regulatory switches that define
the 2026 operating environment. These are non-negotiable data points. In the context of the
exam, these values are absolute.
Table 2.1: 2026 Critical Parameter Updates
Domain 2025 Specification 2026 Specification Operational Source Logic
(Deprecated) (Active) Implication
Part B Deductible ~$257 $283.00 The baseline cost
for Original
Medicare access
has risen. This
integer ($283) is
the "first dollar"
barrier for MA
plans mirroring
Original Medicare.
Part D Base ~$34.70 $38.99 Used to calculate
Premium the Late
Enrollment Penalty
(LEP). The formula
is 1% of $38.99 x
Months.
Part D Deductible $590 $615.00 The maximum
allowable
deductible for any
Part D plan. Plans
may charge less,
but never more.
Scope of 48-hour rule 48-Hour Hard The temporal
Appointment existed but often Rule: SOA must barrier is now
had ambiguous be signed 48 absolute. Agents
enforcement. hours cannot meet
pre-appointment. immediately
Exceptions are unless a specific
codified: Walk-ins exception code is
and "End of triggered.
Enrollment Period"
(Last 4 Days).
Part D Benefit 4 Phases (Donut 3 Phases: The "Donut Hole"
Design Hole included). Deductible -> concept is
Initial Coverage -> obsolete. Do not
Catastrophic. use this term in
2026 scenarios.
Insulin Cost Cap $35 (partial $35 Universal The deductible
,Domain 2025 Specification2026 Specification Operational Source Logic
(Deprecated) (Active) Implication
rollout/deductibleCap: Applies to all logic is bypassed
nuances). covered insulin, for this therapeutic
regardless of class.
deductible status
or coverage
phase.
Call Recording 10-year retention 10-Year Aligns with the
for some, Retention: False Claims Act
undefined for Applies to all statute of
others. marketing, sales, limitations.
and enrollment
calls.
Section III: The Singular Content Engine – 55
High-Complexity Scenarios
This section constitutes the core processing unit of your preparation. We present 55 scenarios
that simulate the "S-Tier" difficulty of the 2026 exam. Each scenario includes the Architect’s
Analysis (the correct path), Mechanistic Logic (why the system works this way), and
Distractor Deconstruction (why you might fail).
Domain 1: Medicare Basics, Eligibility, and Coordination of Benefits
(Scenarios 1-10)
Scenario 01: The Working Aged & The Small Employer Exception
● Context: A 68-year-old client works for a boutique architectural firm with 14 full-time
employees. He is enrolled in the company’s Group Health Plan (GHP). He wishes to delay
enrollment in Medicare Part B to minimize monthly premiums.
● Question: What is the correct advisement regarding his exposure to a Late Enrollment
Penalty (LEP) and primary payer status?
○ A. He can delay Part B without penalty because he has "creditable" employer
coverage.
○ B. Medicare is the Primary Payer; he must enroll in Part B to avoid coverage gaps,
as the "Small Employer Exception" dictates the GHP pays secondary.
○ C. The GHP is Primary because he is actively working; he can delay Part B.
○ D. He must enroll in Part A only; Part B is optional for all working aged.
● Architect’s Analysis: Correct Answer: B
● Mechanistic Logic: The structural rule governing this interaction is the "Small Employer
Exception" to the Medicare Secondary Payer (MSP) statute. For employers with fewer
than 20 employees, Medicare is statutorily defined as the Primary Payer. The
employer’s GHP pays only after Medicare. If the client fails to enroll in Part B, the GHP
has no obligation to pay the primary portion (typically 80%), leaving the client with full
liability. Furthermore, because Medicare is primary, the GHP is not considered "primary
coverage" for the purpose of the LEP exemption. He risks a lifetime Part B penalty and
catastrophic financial exposure.
, ● Distractor Deconstruction: Option C represents the "Recency Bias" trap. Most agents
are conditioned to the "Working Aged Rule" (>20 employees) where the GHP is primary.
For <20, the logic inverts. Option A is false because "creditable" for Part B delay requires
the GHP to be the primary payer.
Scenario 02: The Part D Penalty Calculation Algorithm
● Context: Mr. Vance delayed Part D enrollment for exactly 30 months following his Initial
Enrollment Period (IEP). He maintained no creditable coverage during this gap. It is now
2026, and he is enrolling in a UnitedHealthcare AARP Medicare Advantage plan.
● Question: How is his monthly Late Enrollment Penalty (LEP) calculated for the 2026 plan
year?
○ A. 30% of his specific plan's premium.
○ B. 1% of the 2026 National Base Beneficiary Premium ($38.99) multiplied by 30
months.
○ C. 1% of the average premium from the year he turned 65 (2023) multiplied by 30
months.
○ D. A flat fee of $30.00 added to his premium.
● Architect’s Analysis: Correct Answer: B
● Mechanistic Logic: The LEP mechanism is dynamic, not static. The penalty is calculated
as 1% of the current year's National Base Beneficiary Premium (NBBP) multiplied by the
number of uncovered months. For 2026, the NBBP is confirmed at $38.99. The
calculation is $38.99 * 0.30 = $11.697, which is rounded to the nearest dime ($11.70).
This amount is added to the plan premium.
● Distractor Deconstruction: Option A is the most common failure point; the penalty is
never based on the plan's specific premium, but on the national base. Option C fails
because the penalty resets annually based on the current base, not the historical base
from the eligibility year.
Scenario 03: The IRMAA Adjustment Vector
● Context: Mrs. Chen has a Modified Adjusted Gross Income (MAGI) from her 2024 tax
return of $250,000 (filing individually). She enrolls in a Part D plan with a $0 premium.
● Question: What is her premium obligation for 2026 regarding the Part D component?
○ A. $0.00.
○ B. $0.00 + Part B IRMAA only.
○ C. $0.00 + Part D IRMAA paid directly to the UnitedHealthcare plan.
○ D. $0.00 + Part D IRMAA withheld from her Social Security check or billed directly
by Medicare.
● Architect’s Analysis: Correct Answer: D
● Mechanistic Logic: IRMAA (Income-Related Monthly Adjustment Amount) is a statutory
surcharge, effectively a progressive tax on high earners. Even if the plan premium is $0,
the IRMAA is owed to the federal government (Medicare/CMS), not the carrier. At $250k
income, she falls into a high bracket. The logic is: Plan Premium (Carrier) + IRMAA
(CMS). The carrier cannot collect the IRMAA.
● Distractor Deconstruction: Option C suggests she pays the IRMAA to the plan. This is
operationally incorrect; the carrier does not collect IRMAA. CMS deducts it from SSA
checks or bills the beneficiary directly via the "Medicare Premium Bill" (CMS-500).
Scenario 04: The Part B Deductible Threshold
● Context: A beneficiary enrolled in a UHC Plan with "Original Medicare Cost Sharing"
sees a doctor in January 2026.
● Question: What is the Part B deductible amount they must satisfy before the 80/20
Certification Master Test
Bank: An S-Tier Systems
Integration Guide
Executive Summary: The Phase Transition of the
Medicare Apparatus
The infrastructure of the UnitedHealthcare (UHC) Medicare Certification Examination for the
2026/2027 cycle has undergone a structural phase transition. We are no longer operating within
the legacy frameworks of the 2020s, where rote memorization of static benefits was sufficient for
a passing grade. The modern examination is a rigorous audit of the candidate's ability to
navigate a Complex Adaptive System defined by three simultaneous regulatory shocks: the
full operationalization of the Inflation Reduction Act (IRA) redesigning the Part D payment stack,
the imposition of strict "Gatekeeper" referral logic in high-density Managed Care markets
(California, Nevada, Texas), and the hardening of the "Digital Front Door" via Federal
Communications Commission (FCC) and Centers for Medicare & Medicaid Services (CMS)
"1-to-1 Consent" mandates.
The "Lead Technical Architect" persona adopted for this report is not merely stylistic; it is
functional. To achieve "S-Tier" mastery—defined here as a performance variance of zero and a
comprehension level that renders the exam distractors transparent—the candidate must view
the Medicare landscape not as a collection of insurance plans, but as a series of Mechanistic
Algorithms. The 2026/2027 exam tests whether you understand the code running the machine.
This comprehensive blueprint, exceeding 15,000 words of granular analysis, deconstructs the
examination into its atomic components. It utilizes the "Cognitive Moat" methodology to identify
high-failure vectors, establishes a "Redline Matrix" for 2026 regulatory overrides, and deploys a
"Singular Content Engine" of 55 high-fidelity scenarios. Each scenario is subjected to a
triple-layer analysis: the Architect’s Analysis (the correct path), the Mechanistic Logic (the
system rules), and the Distractor Deconstruction (the trap logic).
Section I: The Cognitive Moat – High-Failure
Architectural Vectors
The "Cognitive Moat" represents the defensive perimeter of the examination. These are the
concept clusters where the failure rate is highest, not because the material is inherently
unknowable, but because it conflicts with the "Legacy Logic" ingrained in experienced agents.
The 2026 architect has designed these questions to punish reliance on outdated mental models
,(e.g., the "Donut Hole").
Table 1.1: The 2026 Cognitive Moat Integration Matrix
Concept Vector The Legacy View The 2026 Failure Mechanism Source Logic
(Pre-2026) Architect's Reality
The "Donut Hole" A four-phase drug The Three-Phase Candidates failing
Deletion benefit: Deductible Stack: The benefit to purge the
-> Initial -> now transitions "Coverage Gap" or
Coverage Gap -> from Deductible "Donut Hole"
Catastrophic. directly to Initial concept from their
Coverage, and mental model will
then seamlessly to miscalculate
Catastrophic at the cost-sharing.
$2,100 There is no 25%
Out-of-Pocket beneficiary liability
(OOP) cap. The phase in the "gap"
"Coverage Gap" is because the gap
structurally deleted no longer exists.
from the algorithm.
The Indexed A theoretical The $2,100 Hard Confusing the
MOOP ($2,100) $2,000 cap Cap: The 2026 statutory $2,000
mentioned in early Part D OOP base (2025) with
IRA drafts. threshold is the indexed 2026
indexed to $2,100, limit of $2,100.
adjusting for the Precision is
annual percentage required; "$2,000"
increase in Part D is a distractor.
expenditures.
MPPP Non-existent; Medicare Agents fail by
(Smoothing) beneficiaries paid Prescription selling MPPP as a
at the Point of Sale Payment Plan "cost reduction"
(POS). (MPPP): A tool. It does not
voluntary liquidity lower total liability;
mechanism it only alters the
allowing cash flow timeline.
beneficiaries to
spread costs over
the plan year. It is
a financing
instrument, not a
discount.
The Tri-State HMO plans in CA, Hard-Lock Applying "National
Gatekeeper NV, and TX Referrals: In Network" flexibility
treated as "Open California, rules to these
Access" or passive Nevada, and three specific
referral markets. Texas, UHC regulatory zones.
,Concept Vector The Legacy View The 2026 Failure Mechanism Source Logic
(Pre-2026) Architect's Reality
HMO/HMO-POS The exam tests
plans now this geographic
mandate PCP exception
referrals for rigorously.
specialists. Claims
without this "key"
are denied as
Provider Liability.
SSBCI Validation "Food Cards" Clinical Promising
distributed based Verification immediate access
on self-attestation Protocol: Access to ancillary
or broad eligibility. to Healthy benefits. The
Food/Utility "UCard" wallet for
benefits now food is locked until
requires clinical the verification
verification of a form is processed.
qualifying chronic
condition. The
Value-Based
Insurance Design
(VBID) waiver has
expired.
1-to-1 Consent "Partner The Specificity Believing that
Marketing" Mandate: A lead purchasing
allowing lead form can only "shared leads" or
aggregation and convey consent to "aged leads" from
resale. one specific agent aggregators is
or brokerage compliant. This
entity, explicitly practice now
named by the violates FCC and
consumer. CMS statutes.
Architectural Insight: The Part D "Indexing" Algorithm
The most sophisticated trap in the 2026 exam involves the Maximum Out-of-Pocket (MOOP) for
Part D. While the Inflation Reduction Act (IRA) text cited a "$2,000 cap" for 2025, the legislation
included an indexing mechanism based on the Annual Percentage Increase (API) in Part D
expenditures. For 2026, the Architect’s specification for this cap is $2,100. The examination will
present scenarios where a beneficiary has spent $2,050. The legacy (2025) agent will say
"Catastrophic Reached." The 2026 S-Tier agent knows the threshold is $2,100 and will identify
the beneficiary is still in the Initial Coverage phase. This $100 delta is a "Kill Screen" for
unprepared candidates.
Section II: The 2026 Redline Matrix – The Regulatory
,Event Horizon
The "Redline Matrix" establishes the specific integer values and regulatory switches that define
the 2026 operating environment. These are non-negotiable data points. In the context of the
exam, these values are absolute.
Table 2.1: 2026 Critical Parameter Updates
Domain 2025 Specification 2026 Specification Operational Source Logic
(Deprecated) (Active) Implication
Part B Deductible ~$257 $283.00 The baseline cost
for Original
Medicare access
has risen. This
integer ($283) is
the "first dollar"
barrier for MA
plans mirroring
Original Medicare.
Part D Base ~$34.70 $38.99 Used to calculate
Premium the Late
Enrollment Penalty
(LEP). The formula
is 1% of $38.99 x
Months.
Part D Deductible $590 $615.00 The maximum
allowable
deductible for any
Part D plan. Plans
may charge less,
but never more.
Scope of 48-hour rule 48-Hour Hard The temporal
Appointment existed but often Rule: SOA must barrier is now
had ambiguous be signed 48 absolute. Agents
enforcement. hours cannot meet
pre-appointment. immediately
Exceptions are unless a specific
codified: Walk-ins exception code is
and "End of triggered.
Enrollment Period"
(Last 4 Days).
Part D Benefit 4 Phases (Donut 3 Phases: The "Donut Hole"
Design Hole included). Deductible -> concept is
Initial Coverage -> obsolete. Do not
Catastrophic. use this term in
2026 scenarios.
Insulin Cost Cap $35 (partial $35 Universal The deductible
,Domain 2025 Specification2026 Specification Operational Source Logic
(Deprecated) (Active) Implication
rollout/deductibleCap: Applies to all logic is bypassed
nuances). covered insulin, for this therapeutic
regardless of class.
deductible status
or coverage
phase.
Call Recording 10-year retention 10-Year Aligns with the
for some, Retention: False Claims Act
undefined for Applies to all statute of
others. marketing, sales, limitations.
and enrollment
calls.
Section III: The Singular Content Engine – 55
High-Complexity Scenarios
This section constitutes the core processing unit of your preparation. We present 55 scenarios
that simulate the "S-Tier" difficulty of the 2026 exam. Each scenario includes the Architect’s
Analysis (the correct path), Mechanistic Logic (why the system works this way), and
Distractor Deconstruction (why you might fail).
Domain 1: Medicare Basics, Eligibility, and Coordination of Benefits
(Scenarios 1-10)
Scenario 01: The Working Aged & The Small Employer Exception
● Context: A 68-year-old client works for a boutique architectural firm with 14 full-time
employees. He is enrolled in the company’s Group Health Plan (GHP). He wishes to delay
enrollment in Medicare Part B to minimize monthly premiums.
● Question: What is the correct advisement regarding his exposure to a Late Enrollment
Penalty (LEP) and primary payer status?
○ A. He can delay Part B without penalty because he has "creditable" employer
coverage.
○ B. Medicare is the Primary Payer; he must enroll in Part B to avoid coverage gaps,
as the "Small Employer Exception" dictates the GHP pays secondary.
○ C. The GHP is Primary because he is actively working; he can delay Part B.
○ D. He must enroll in Part A only; Part B is optional for all working aged.
● Architect’s Analysis: Correct Answer: B
● Mechanistic Logic: The structural rule governing this interaction is the "Small Employer
Exception" to the Medicare Secondary Payer (MSP) statute. For employers with fewer
than 20 employees, Medicare is statutorily defined as the Primary Payer. The
employer’s GHP pays only after Medicare. If the client fails to enroll in Part B, the GHP
has no obligation to pay the primary portion (typically 80%), leaving the client with full
liability. Furthermore, because Medicare is primary, the GHP is not considered "primary
coverage" for the purpose of the LEP exemption. He risks a lifetime Part B penalty and
catastrophic financial exposure.
, ● Distractor Deconstruction: Option C represents the "Recency Bias" trap. Most agents
are conditioned to the "Working Aged Rule" (>20 employees) where the GHP is primary.
For <20, the logic inverts. Option A is false because "creditable" for Part B delay requires
the GHP to be the primary payer.
Scenario 02: The Part D Penalty Calculation Algorithm
● Context: Mr. Vance delayed Part D enrollment for exactly 30 months following his Initial
Enrollment Period (IEP). He maintained no creditable coverage during this gap. It is now
2026, and he is enrolling in a UnitedHealthcare AARP Medicare Advantage plan.
● Question: How is his monthly Late Enrollment Penalty (LEP) calculated for the 2026 plan
year?
○ A. 30% of his specific plan's premium.
○ B. 1% of the 2026 National Base Beneficiary Premium ($38.99) multiplied by 30
months.
○ C. 1% of the average premium from the year he turned 65 (2023) multiplied by 30
months.
○ D. A flat fee of $30.00 added to his premium.
● Architect’s Analysis: Correct Answer: B
● Mechanistic Logic: The LEP mechanism is dynamic, not static. The penalty is calculated
as 1% of the current year's National Base Beneficiary Premium (NBBP) multiplied by the
number of uncovered months. For 2026, the NBBP is confirmed at $38.99. The
calculation is $38.99 * 0.30 = $11.697, which is rounded to the nearest dime ($11.70).
This amount is added to the plan premium.
● Distractor Deconstruction: Option A is the most common failure point; the penalty is
never based on the plan's specific premium, but on the national base. Option C fails
because the penalty resets annually based on the current base, not the historical base
from the eligibility year.
Scenario 03: The IRMAA Adjustment Vector
● Context: Mrs. Chen has a Modified Adjusted Gross Income (MAGI) from her 2024 tax
return of $250,000 (filing individually). She enrolls in a Part D plan with a $0 premium.
● Question: What is her premium obligation for 2026 regarding the Part D component?
○ A. $0.00.
○ B. $0.00 + Part B IRMAA only.
○ C. $0.00 + Part D IRMAA paid directly to the UnitedHealthcare plan.
○ D. $0.00 + Part D IRMAA withheld from her Social Security check or billed directly
by Medicare.
● Architect’s Analysis: Correct Answer: D
● Mechanistic Logic: IRMAA (Income-Related Monthly Adjustment Amount) is a statutory
surcharge, effectively a progressive tax on high earners. Even if the plan premium is $0,
the IRMAA is owed to the federal government (Medicare/CMS), not the carrier. At $250k
income, she falls into a high bracket. The logic is: Plan Premium (Carrier) + IRMAA
(CMS). The carrier cannot collect the IRMAA.
● Distractor Deconstruction: Option C suggests she pays the IRMAA to the plan. This is
operationally incorrect; the carrier does not collect IRMAA. CMS deducts it from SSA
checks or bills the beneficiary directly via the "Medicare Premium Bill" (CMS-500).
Scenario 04: The Part B Deductible Threshold
● Context: A beneficiary enrolled in a UHC Plan with "Original Medicare Cost Sharing"
sees a doctor in January 2026.
● Question: What is the Part B deductible amount they must satisfy before the 80/20
