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Wellcare Mastery Exam with Actual
Questions and Answers Verified by Expert |t
||Complete A+ Guide
1. A client turns 65 next month and asks when they can enroll
in Medicare Part A and Part B. What is the Initial Enrollment
Period (IEP)?
A) 3 months before, the month of, and 3 months after turning
65
B) 6 months before turning 65
C) Only the month of the 65th birthday
D) 1 month before to 2 months after
Answer: A
Rationale: IEP is 7 months total: 3 months prior, birthday
month, 3 months after.
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2. (Select 2) Which of the following are true about Medicare
Part A?
A) Generally premium-free if the beneficiary or spouse paid
Medicare taxes for ≥40 quarters
B) Covers inpatient hospital stays, skilled nursing facility (not
custodial), hospice, home health
C) Covers all outpatient prescription drugs
D) Requires a monthly premium for all beneficiaries regardless
of work history
Answer: A, B
Rationale: Part A is premium-free for most; Part D covers
drugs.
3. A beneficiary has Medicare Part A only. They ask if they
can enroll in a Wellcare Medicare Advantage plan. What do
you tell them?
A) Yes, but they must also enroll in Part B first
B) Yes, Part A alone is sufficient
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C) No, they need both Part A and Part B for MA plans
D) Only if they have ESRD
Answer: A
Rationale: Medicare Advantage requires enrollment in both
Part A and Part B.
4. (Select 3) Which of the following qualify for Medicare
before age 65?
A) Receiving Social Security Disability Insurance (SSDI) for 24
months
B) Diagnosed with ALS (Lou Gehrig’s disease)
C) End-Stage Renal Disease (ESRD)
D) Any chronic condition like diabetes
Answer: A, B, C
Rationale: ALS qualifies immediately; ESRD qualifies; SSDI for
24 months. Diabetes alone does not.
5. A client asks about the Medicare Part B late enrollment
penalty. How is it calculated?
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A) 10% for each full 12-month period not enrolled, added to
monthly premium
B) Flat $50 per month
C) 5% for each year delayed
D) No penalty if you have employer coverage
Answer: A
Rationale: Part B penalty is 10% per 12-month period without
coverage.
6. (Select 2) What is the Medicare General Enrollment Period
(GEP)?
A) January 1 – March 31 each year
B) Coverage starts July 1
C) October 15 – December 7
D) Coverage starts January 1
Answer: A, B
Rationale: GEP is Jan 1–Mar 31 with July 1 start date.
Wellcare Mastery Exam with Actual
Questions and Answers Verified by Expert |t
||Complete A+ Guide
1. A client turns 65 next month and asks when they can enroll
in Medicare Part A and Part B. What is the Initial Enrollment
Period (IEP)?
A) 3 months before, the month of, and 3 months after turning
65
B) 6 months before turning 65
C) Only the month of the 65th birthday
D) 1 month before to 2 months after
Answer: A
Rationale: IEP is 7 months total: 3 months prior, birthday
month, 3 months after.
,Page 2 of 161
2. (Select 2) Which of the following are true about Medicare
Part A?
A) Generally premium-free if the beneficiary or spouse paid
Medicare taxes for ≥40 quarters
B) Covers inpatient hospital stays, skilled nursing facility (not
custodial), hospice, home health
C) Covers all outpatient prescription drugs
D) Requires a monthly premium for all beneficiaries regardless
of work history
Answer: A, B
Rationale: Part A is premium-free for most; Part D covers
drugs.
3. A beneficiary has Medicare Part A only. They ask if they
can enroll in a Wellcare Medicare Advantage plan. What do
you tell them?
A) Yes, but they must also enroll in Part B first
B) Yes, Part A alone is sufficient
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C) No, they need both Part A and Part B for MA plans
D) Only if they have ESRD
Answer: A
Rationale: Medicare Advantage requires enrollment in both
Part A and Part B.
4. (Select 3) Which of the following qualify for Medicare
before age 65?
A) Receiving Social Security Disability Insurance (SSDI) for 24
months
B) Diagnosed with ALS (Lou Gehrig’s disease)
C) End-Stage Renal Disease (ESRD)
D) Any chronic condition like diabetes
Answer: A, B, C
Rationale: ALS qualifies immediately; ESRD qualifies; SSDI for
24 months. Diabetes alone does not.
5. A client asks about the Medicare Part B late enrollment
penalty. How is it calculated?
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A) 10% for each full 12-month period not enrolled, added to
monthly premium
B) Flat $50 per month
C) 5% for each year delayed
D) No penalty if you have employer coverage
Answer: A
Rationale: Part B penalty is 10% per 12-month period without
coverage.
6. (Select 2) What is the Medicare General Enrollment Period
(GEP)?
A) January 1 – March 31 each year
B) Coverage starts July 1
C) October 15 – December 7
D) Coverage starts January 1
Answer: A, B
Rationale: GEP is Jan 1–Mar 31 with July 1 start date.
