NORTH CAROLINA MEDICARE SUPPLEMENT AND LONG-TERM
CARE INSURANCE EXAM
2025/2026 EDITION – FULL 175-QUESTION BANK
1. Which part of Medicare covers inpatient hospital stays, skilled nursing facility care, and some home
health care?
A) Medicare Part B
B) Medicare Part C
C) Medicare Part A ✔
D) Medicare Part D
Rationale: Medicare Part A (Hospital Insurance) covers inpatient hospital, skilled nursing, hospice, and
some home health. Part B covers outpatient. Part C is Advantage plans. Part D is prescriptions.
2. What is the Medicare Part B deductible projected for 2025?
A)
164.90
B
)
164.90B)226.00
C)
240.00
D
)
240.00D)257.00 ✔
Rationale: The 2024 Part B deductible was
240.
W
,i
t
h
s
t
a
n
d
a
r
d
i
n
d
e
x
i
n
g
,
2025
i
s
p
r
o
j
e
c
, t
e
d
a
t
240.Withstandardindexing,2025isprojectedat257. Actual may be adjusted, but exam uses reasonable
projection.
3. A beneficiary is 66 years old, has Part A only, and wants to buy a Medicare Supplement policy.
What must they do first?
A) Enroll in Part B ✔
B) Wait for the general enrollment period
C) Buy a standalone prescription drug plan
D) Submit a medical underwriting form
Rationale: Medigap policies require enrollment in both Part A and Part B. Without Part B, no Medigap
policy can be issued.
4. The Initial Enrollment Period (IEP) for Medicare Part B is how many months long?
A) 3 months
B) 5 months
C) 7 months ✔
D) 9 months
Rationale: IEP is 7 months: 3 months before the month of age 65 (or disability onset), the birth month,
and 3 months after.
5. Medicare Part A is primarily financed by:
A) Monthly premiums paid by beneficiaries
B) Federal income tax revenue
CARE INSURANCE EXAM
2025/2026 EDITION – FULL 175-QUESTION BANK
1. Which part of Medicare covers inpatient hospital stays, skilled nursing facility care, and some home
health care?
A) Medicare Part B
B) Medicare Part C
C) Medicare Part A ✔
D) Medicare Part D
Rationale: Medicare Part A (Hospital Insurance) covers inpatient hospital, skilled nursing, hospice, and
some home health. Part B covers outpatient. Part C is Advantage plans. Part D is prescriptions.
2. What is the Medicare Part B deductible projected for 2025?
A)
164.90
B
)
164.90B)226.00
C)
240.00
D
)
240.00D)257.00 ✔
Rationale: The 2024 Part B deductible was
240.
W
,i
t
h
s
t
a
n
d
a
r
d
i
n
d
e
x
i
n
g
,
2025
i
s
p
r
o
j
e
c
, t
e
d
a
t
240.Withstandardindexing,2025isprojectedat257. Actual may be adjusted, but exam uses reasonable
projection.
3. A beneficiary is 66 years old, has Part A only, and wants to buy a Medicare Supplement policy.
What must they do first?
A) Enroll in Part B ✔
B) Wait for the general enrollment period
C) Buy a standalone prescription drug plan
D) Submit a medical underwriting form
Rationale: Medigap policies require enrollment in both Part A and Part B. Without Part B, no Medigap
policy can be issued.
4. The Initial Enrollment Period (IEP) for Medicare Part B is how many months long?
A) 3 months
B) 5 months
C) 7 months ✔
D) 9 months
Rationale: IEP is 7 months: 3 months before the month of age 65 (or disability onset), the birth month,
and 3 months after.
5. Medicare Part A is primarily financed by:
A) Monthly premiums paid by beneficiaries
B) Federal income tax revenue
