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# FLORIDA MEDICARE INSURANCE
SPECIALIST EXAM PREP## COMPLETE STUDY
GUIDE & PRACTICE EXAM | BASED ON NAIFA-
FLORIDA 36TH EDITION### *A+ GRADED |
FIRST-TIME PASS GUARANTEE*
## Table of Contents
| Section | Topic | Questions |
|---------|-------|-----------|
| 1 | Medicare Part A - Hospital Insurance | 20 |
| 2 | Medicare Part B - Medical Insurance | 20 |
| 3 | Medicare Part C - Medicare Advantage | 20 |
| 4 | Medicare Part D - Prescription Drug Coverage | 20 |
| 5 | Medigap (Medicare Supplement) Policies | 20 |
| 6 | Medicare Savings Programs & Medicaid | 15 |
| 7 | Enrollment Periods & Late Penalties | 20 |
| 8 | Florida-Specific Laws & Regulations | 15 |
| 9 | Insurance Fundamentals for Agents | 20 |
| 10 | Ethics, Marketing & Compliance | 15 |
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# Section 1: Medicare Part A - Hospital Insurance## (Questions 1–20)
**1.** What is Medicare Part A primarily responsible for covering?
A) Outpatient doctor visits
B) Prescription drugs
C) Inpatient hospital care
D) Preventive services
**Answer:** C) Inpatient hospital care
**Rationale:** Part A provides hospital insurance, including inpatient
hospital stays, skilled nursing facility care, hospice, and some home
health care .
---
**2.** What is the standard monthly premium for Medicare Part A for
most beneficiaries?
A) $148.50
B) $174.70
C) $278.00
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D) $0
**Answer:** D) $0
**Rationale:** Most beneficiaries qualify for premium-free Part A if
they or their spouse paid Medicare taxes for at least 40 quarters (10
years) .
---
**3.** What is the Medicare Part A deductible for each benefit period in
2026?
A) $1,408
B) $1,484
C) $1,632
D) $1,856
**Answer:** C) $1,632 (approximate - 2026 inflation-adjusted figure)
**Rationale:** The inpatient hospital deductible covers the first 60 days
of hospitalization in a benefit period. Annual adjustments based on CMS
announcements .
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---
**4.** How many days of skilled nursing facility (SNF) care does
Medicare Part A cover fully after a qualifying hospital stay?
A) 20 days
B) 50 days
C) 100 days
D) Unlimited days
**Answer:** A) 20 days
**Rationale:** Part A covers the first 20 days of SNF care fully. Days
21-100 require a daily coinsurance payment. After 100 days, coverage
ends .
---
**5.** A beneficiary is hospitalized for 15 days, discharged for 30 days,
then readmitted for another 10 days. How does Medicare treat these
stays?
# FLORIDA MEDICARE INSURANCE
SPECIALIST EXAM PREP## COMPLETE STUDY
GUIDE & PRACTICE EXAM | BASED ON NAIFA-
FLORIDA 36TH EDITION### *A+ GRADED |
FIRST-TIME PASS GUARANTEE*
## Table of Contents
| Section | Topic | Questions |
|---------|-------|-----------|
| 1 | Medicare Part A - Hospital Insurance | 20 |
| 2 | Medicare Part B - Medical Insurance | 20 |
| 3 | Medicare Part C - Medicare Advantage | 20 |
| 4 | Medicare Part D - Prescription Drug Coverage | 20 |
| 5 | Medigap (Medicare Supplement) Policies | 20 |
| 6 | Medicare Savings Programs & Medicaid | 15 |
| 7 | Enrollment Periods & Late Penalties | 20 |
| 8 | Florida-Specific Laws & Regulations | 15 |
| 9 | Insurance Fundamentals for Agents | 20 |
| 10 | Ethics, Marketing & Compliance | 15 |
,2|Page
# Section 1: Medicare Part A - Hospital Insurance## (Questions 1–20)
**1.** What is Medicare Part A primarily responsible for covering?
A) Outpatient doctor visits
B) Prescription drugs
C) Inpatient hospital care
D) Preventive services
**Answer:** C) Inpatient hospital care
**Rationale:** Part A provides hospital insurance, including inpatient
hospital stays, skilled nursing facility care, hospice, and some home
health care .
---
**2.** What is the standard monthly premium for Medicare Part A for
most beneficiaries?
A) $148.50
B) $174.70
C) $278.00
,3|Page
D) $0
**Answer:** D) $0
**Rationale:** Most beneficiaries qualify for premium-free Part A if
they or their spouse paid Medicare taxes for at least 40 quarters (10
years) .
---
**3.** What is the Medicare Part A deductible for each benefit period in
2026?
A) $1,408
B) $1,484
C) $1,632
D) $1,856
**Answer:** C) $1,632 (approximate - 2026 inflation-adjusted figure)
**Rationale:** The inpatient hospital deductible covers the first 60 days
of hospitalization in a benefit period. Annual adjustments based on CMS
announcements .
, 4|Page
---
**4.** How many days of skilled nursing facility (SNF) care does
Medicare Part A cover fully after a qualifying hospital stay?
A) 20 days
B) 50 days
C) 100 days
D) Unlimited days
**Answer:** A) 20 days
**Rationale:** Part A covers the first 20 days of SNF care fully. Days
21-100 require a daily coinsurance payment. After 100 days, coverage
ends .
---
**5.** A beneficiary is hospitalized for 15 days, discharged for 30 days,
then readmitted for another 10 days. How does Medicare treat these
stays?
