North Carolina Medicare Supplement & Long-
Term Care Insurance Exam Study Guide 2026–
2027 | Complete Questions & Answers |
Insurance License Exam Prep (2 Files)
NORTH CAROLINA MEDICARE SUPPLEMENT & LONG-TERM CARE
INSURANCE EXAM
Complete 300-Question Study Guide |
Q1. What is Medicare?
A. A private health insurance program for low-income individuals B. A federal health insurance
program primarily for people aged 65 and older C. A state-funded program for disabled workers
only D. A supplemental income program for retirees E. A government pension program for
federal employees
CORRECT ANSWER: B. A federal health insurance program primarily for people
aged 65 and older RATIONALE: Medicare is a federal health insurance program
administered by the Centers for Medicare & Medicaid Services (CMS), primarily serving people
aged 65+, certain younger disabled individuals, and those with End-Stage Renal Disease.
Q2. Which agency administers the Medicare program?
A. The Social Security Administration B. The Department of Veterans Affairs C. The Centers for
Medicare & Medicaid Services (CMS) D. The North Carolina Department of Insurance E. The
Federal Reserve
CORRECT ANSWER: C. The Centers for Medicare & Medicaid Services (CMS)
RATIONALE: CMS is the federal agency within the U.S. Department of Health and Human
Services that administers Medicare, Medicaid, and CHIP programs.
Q3. Medicare Part A primarily covers which of the following?
A. Outpatient physician visits B. Prescription drugs C. Hospital inpatient care D. Dental and
vision services E. Long-term custodial care
, CORRECT ANSWER: C. Hospital inpatient care RATIONALE: Medicare
Part A is hospital insurance covering inpatient hospital stays, skilled nursing facility care,
hospice care, and some home health care.
Q4. Medicare Part B primarily covers which of the following?
A. Inpatient hospital stays B. Prescription medications C. Outpatient medical services and
physician visits D. Long-term nursing home care E. Dental procedures
CORRECT ANSWER: C. Outpatient medical services and physician visits
RATIONALE: Medicare Part B covers medically necessary outpatient services, preventive
services, and physician visits. It requires a monthly premium.
Q5. What is Medicare Part C also known as?
A. Medicare Supplement B. Medicare Advantage C. Medigap D. Medicare Select E. Medicare
Prescription Drug Plan
CORRECT ANSWER: B. Medicare Advantage RATIONALE: Medicare Part
C, known as Medicare Advantage, is offered by private insurers approved by Medicare and
provides an alternative way to receive Parts A and B benefits, often bundled with Part D.
Q6. What does Medicare Part D cover?
A. Inpatient hospital care B. Skilled nursing facility stays C. Prescription drugs D. Outpatient
surgery E. Home health aide services
CORRECT ANSWER: C. Prescription drugs RATIONALE: Medicare Part D
is the voluntary outpatient prescription drug benefit offered through private insurers approved by
Medicare.
Q7. What is the Medicare Part A inpatient hospital deductible for 2025?
A. $233 per year B. $1,632 per benefit period C. $1,408 per benefit period D. $500 per
admission E. $2,000 per benefit period
, CORRECT ANSWER: B. $1,632 per benefit period RATIONALE: The
Medicare Part A deductible applies per benefit period, not per year. The 2025 amount is $1,632,
which beneficiaries must pay before Medicare covers inpatient hospital costs.
Q8. How long is a Medicare benefit period?
A. One calendar year B. 30 days from admission C. Begins on the day of admission and ends
after 60 consecutive days without inpatient care D. 90 days from the start of coverage E.
Lifetime of the beneficiary
CORRECT ANSWER: C. Begins on the day of admission and ends after 60
consecutive days without inpatient care RATIONALE: A Medicare benefit period
begins when a patient is admitted to a hospital or skilled nursing facility and ends when they
have been out of inpatient care for 60 consecutive days.
Q9. Under Medicare Part A, how many days of inpatient hospital care are fully covered
after the deductible?
A. 30 days B. 60 days C. 90 days D. 120 days E. 365 days
CORRECT ANSWER: B. 60 days RATIONALE: After meeting the Part A
deductible, Medicare covers days 1–60 in full. Days 61–90 require a coinsurance payment per
day.
Q10. Under Medicare Part A, what is the coinsurance amount for inpatient hospital days
61–90?
A. $0 B. $204 per day C. $408 per day D. $816 per day E. $1,632 per day
CORRECT ANSWER: C. $408 per day RATIONALE: For days 61–90 of an
inpatient hospital stay in 2025, beneficiaries pay $408 per day in coinsurance. Medigap plans
often cover this cost.
Q11. What are Medicare "lifetime reserve days"?
A. Extra hospital days that reset each year B. 60 additional hospital days available once in a
lifetime beyond the 90-day benefit period C. Days covered under skilled nursing facilities D.
, Hospice care days covered for terminal illness E. Days covered under outpatient observation
status
CORRECT ANSWER: B. 60 additional hospital days available once in a lifetime
beyond the 90-day benefit period RATIONALE: Medicare provides 60 lifetime
reserve days that can be used when a hospital stay exceeds 90 days in a benefit period. These
days are nonrenewable and require a daily coinsurance payment.
Q12. What is the standard Medicare Part B premium in 2025?
A. $99.90 per month B. $148.50 per month C. $174.70 per month D. $200.00 per month E.
$164.90 per month
CORRECT ANSWER: C. $174.70 per month RATIONALE: The standard
Medicare Part B premium for 2025 is $174.70 per month, though higher-income beneficiaries
pay more through the Income-Related Monthly Adjustment Amount (IRMAA).
Q13. What is the Medicare Part B annual deductible for 2025?
A. $100 B. $185 C. $233 D. $257 E. $300
CORRECT ANSWER: C. $233 RATIONALE: The Medicare Part B annual
deductible for 2025 is $233. After this is met, Medicare typically pays 80% of approved charges.
Q14. After meeting the Part B deductible, what percentage does Medicare pay for most
covered outpatient services?
A. 50% B. 70% C. 80% D. 90% E. 100%
CORRECT ANSWER: C. 80% RATIONALE: Medicare Part B pays 80% of
the Medicare-approved amount for most covered services after the annual deductible is met. The
beneficiary is responsible for the remaining 20% coinsurance.
Q15. What is a Medicare Supplement (Medigap) policy?
A. A government-run program replacing original Medicare B. A private insurance policy that
helps pay costs not covered by original Medicare C. A prescription drug plan under Part D D. A
Term Care Insurance Exam Study Guide 2026–
2027 | Complete Questions & Answers |
Insurance License Exam Prep (2 Files)
NORTH CAROLINA MEDICARE SUPPLEMENT & LONG-TERM CARE
INSURANCE EXAM
Complete 300-Question Study Guide |
Q1. What is Medicare?
A. A private health insurance program for low-income individuals B. A federal health insurance
program primarily for people aged 65 and older C. A state-funded program for disabled workers
only D. A supplemental income program for retirees E. A government pension program for
federal employees
CORRECT ANSWER: B. A federal health insurance program primarily for people
aged 65 and older RATIONALE: Medicare is a federal health insurance program
administered by the Centers for Medicare & Medicaid Services (CMS), primarily serving people
aged 65+, certain younger disabled individuals, and those with End-Stage Renal Disease.
Q2. Which agency administers the Medicare program?
A. The Social Security Administration B. The Department of Veterans Affairs C. The Centers for
Medicare & Medicaid Services (CMS) D. The North Carolina Department of Insurance E. The
Federal Reserve
CORRECT ANSWER: C. The Centers for Medicare & Medicaid Services (CMS)
RATIONALE: CMS is the federal agency within the U.S. Department of Health and Human
Services that administers Medicare, Medicaid, and CHIP programs.
Q3. Medicare Part A primarily covers which of the following?
A. Outpatient physician visits B. Prescription drugs C. Hospital inpatient care D. Dental and
vision services E. Long-term custodial care
, CORRECT ANSWER: C. Hospital inpatient care RATIONALE: Medicare
Part A is hospital insurance covering inpatient hospital stays, skilled nursing facility care,
hospice care, and some home health care.
Q4. Medicare Part B primarily covers which of the following?
A. Inpatient hospital stays B. Prescription medications C. Outpatient medical services and
physician visits D. Long-term nursing home care E. Dental procedures
CORRECT ANSWER: C. Outpatient medical services and physician visits
RATIONALE: Medicare Part B covers medically necessary outpatient services, preventive
services, and physician visits. It requires a monthly premium.
Q5. What is Medicare Part C also known as?
A. Medicare Supplement B. Medicare Advantage C. Medigap D. Medicare Select E. Medicare
Prescription Drug Plan
CORRECT ANSWER: B. Medicare Advantage RATIONALE: Medicare Part
C, known as Medicare Advantage, is offered by private insurers approved by Medicare and
provides an alternative way to receive Parts A and B benefits, often bundled with Part D.
Q6. What does Medicare Part D cover?
A. Inpatient hospital care B. Skilled nursing facility stays C. Prescription drugs D. Outpatient
surgery E. Home health aide services
CORRECT ANSWER: C. Prescription drugs RATIONALE: Medicare Part D
is the voluntary outpatient prescription drug benefit offered through private insurers approved by
Medicare.
Q7. What is the Medicare Part A inpatient hospital deductible for 2025?
A. $233 per year B. $1,632 per benefit period C. $1,408 per benefit period D. $500 per
admission E. $2,000 per benefit period
, CORRECT ANSWER: B. $1,632 per benefit period RATIONALE: The
Medicare Part A deductible applies per benefit period, not per year. The 2025 amount is $1,632,
which beneficiaries must pay before Medicare covers inpatient hospital costs.
Q8. How long is a Medicare benefit period?
A. One calendar year B. 30 days from admission C. Begins on the day of admission and ends
after 60 consecutive days without inpatient care D. 90 days from the start of coverage E.
Lifetime of the beneficiary
CORRECT ANSWER: C. Begins on the day of admission and ends after 60
consecutive days without inpatient care RATIONALE: A Medicare benefit period
begins when a patient is admitted to a hospital or skilled nursing facility and ends when they
have been out of inpatient care for 60 consecutive days.
Q9. Under Medicare Part A, how many days of inpatient hospital care are fully covered
after the deductible?
A. 30 days B. 60 days C. 90 days D. 120 days E. 365 days
CORRECT ANSWER: B. 60 days RATIONALE: After meeting the Part A
deductible, Medicare covers days 1–60 in full. Days 61–90 require a coinsurance payment per
day.
Q10. Under Medicare Part A, what is the coinsurance amount for inpatient hospital days
61–90?
A. $0 B. $204 per day C. $408 per day D. $816 per day E. $1,632 per day
CORRECT ANSWER: C. $408 per day RATIONALE: For days 61–90 of an
inpatient hospital stay in 2025, beneficiaries pay $408 per day in coinsurance. Medigap plans
often cover this cost.
Q11. What are Medicare "lifetime reserve days"?
A. Extra hospital days that reset each year B. 60 additional hospital days available once in a
lifetime beyond the 90-day benefit period C. Days covered under skilled nursing facilities D.
, Hospice care days covered for terminal illness E. Days covered under outpatient observation
status
CORRECT ANSWER: B. 60 additional hospital days available once in a lifetime
beyond the 90-day benefit period RATIONALE: Medicare provides 60 lifetime
reserve days that can be used when a hospital stay exceeds 90 days in a benefit period. These
days are nonrenewable and require a daily coinsurance payment.
Q12. What is the standard Medicare Part B premium in 2025?
A. $99.90 per month B. $148.50 per month C. $174.70 per month D. $200.00 per month E.
$164.90 per month
CORRECT ANSWER: C. $174.70 per month RATIONALE: The standard
Medicare Part B premium for 2025 is $174.70 per month, though higher-income beneficiaries
pay more through the Income-Related Monthly Adjustment Amount (IRMAA).
Q13. What is the Medicare Part B annual deductible for 2025?
A. $100 B. $185 C. $233 D. $257 E. $300
CORRECT ANSWER: C. $233 RATIONALE: The Medicare Part B annual
deductible for 2025 is $233. After this is met, Medicare typically pays 80% of approved charges.
Q14. After meeting the Part B deductible, what percentage does Medicare pay for most
covered outpatient services?
A. 50% B. 70% C. 80% D. 90% E. 100%
CORRECT ANSWER: C. 80% RATIONALE: Medicare Part B pays 80% of
the Medicare-approved amount for most covered services after the annual deductible is met. The
beneficiary is responsible for the remaining 20% coinsurance.
Q15. What is a Medicare Supplement (Medigap) policy?
A. A government-run program replacing original Medicare B. A private insurance policy that
helps pay costs not covered by original Medicare C. A prescription drug plan under Part D D. A
