Medicare Supplement and Long-Term
Care Exam Study Guide 2026
Questions with Correct Detailed
Answers || 100% Guaranteed Pass
<Recent Version>
1. What facility is long term care NOT provided in - ANSWER ✔ Hospital
2. An insured receives health care through both Medicare and Medicaid. She
Currently has prescription drug coverage through Medicaid. does the insured
need to enroll in Medicare part D? - ANSWER ✔ Yes, she must begin
receiving her prescription Drug coverage through Part D
3. To quality for skilled nursing care a patient must - ANSWER ✔ have a
qualifying hospital stay of at least 3 consecutive days
4. If a insured returns a Medicare supplement policy too the insurer with in 30
days of policy delivery without providing a reason, how much of policy
premium with be refunded? - ANSWER ✔ 100%
5. An individual long term care insurance policy holder has the right to return
the policy for a full refund of premium with in 30 days of the policy -
ANSWER ✔ delivery to the insured
6. If an agent receives 1000 in commissions upon the first renewal of a
medigap policy what is the maximin compensation that the agent may
receive on the fourth renewal - ANSWER ✔ 1000 dollars
7. Claim for Medicare part a services are filed by - ANSWER ✔ the provider
with the Medicare intermediary
,8. An agent sells medigap insurance in north Carolina, her renewal commission
is 10% the most that the agent can receive in first year commission is? -
ANSWER ✔ 20 percent
9. Medicare Supplements - ANSWER ✔ Health insurance filling gaps in
Medicare coverage
10.Medicare Select - ANSWER ✔ Medicare supplement plan with defined
network requirements
11.Medicare Part D - ANSWER ✔ Program offering prescription drug benefit
for Medicare beneficiaries
12.Long-Term Care Insurance - ANSWER ✔ Coverage for medical and
personal services for individuals needing extended assistance
13.Skilled Nursing Care - ANSWER ✔ Medically necessary nursing care
performed by skilled professionals
14.Custodial Care - ANSWER ✔ Health or medical care meeting daily personal
needs under a physician's order
15.Home Health Care - ANSWER ✔ Skilled or unskilled care provided in an
individual's home
16.Adult Day Care - ANSWER ✔ Custodial care for individuals requiring
assistance while caregivers are absent
17.Respite Care - ANSWER ✔ Health or medical care providing a short rest
period for a caregiver
18.Core Benefits - ANSWER ✔ Medicare Supplement plans covering
coinsurance on hospital costs
19.Long-Term Care Partnership Programs - ANSWER ✔ Initiative allowing
individuals to protect assets with long-term care insurance
,20.An individual who is not eligible for premium-free Medicare Part A
coverage may apply for coverage during which of the following enrollment
periods?
A. All of the above
B. Initial enrollment period
C. General enrollment period
D. Special enrollment period - ANSWER ✔ A. All of the above
21.Medicare makes what payment for services in which another payer may be
responsible:
A. Conditional payment
B. Interim payment
C. Transitional payment
D. Temporary payment - ANSWER ✔ A. Conditional payment
22.Insurers must offer inflation protection in which of the following policies?
A. Medicare Part C
B. Medigap
C. Long-Term Care
D. Medicaid - ANSWER ✔ C. Long-Term Care
23.What program safeguards against unnecessary and inappropriate medical
care rendered to Medicaid recipients?
A. Medicaid review program
B. Utilization renew program
C. Quality improvement organization
D. Utilization review program - ANSWER ✔ D. Utilization review
program
24.Which of the following is not a requirement for long-term care plans?
A. The individual must be unable to perform at least two ADLs
B. Inflation protection must be provided
C. Policies must accrue cash value
, D. Coveraged cannot reimburse insureds for medical expenses or
services covered by Medicare. - ANSWER ✔ C. Policies must accrue
cash value.
25.Which entity handles claims from hospitals, skilled nursing facilities, home
health agencies and hospices?
A. Carrier
B. Intermediary
C. Quality Improvement Organization
D. Utilization Review Committee - ANSWER ✔ B. Intermediary
26.What is the term for private organizations that administer Medicare Part B
benefits?
A. Carriers
B. Medical Providers
C. Intermediaries
D. Peer review organizations - ANSWER ✔ A. Carriers
27.All of the following are requirements for long-term care and medigap policy
except:
A. The agent must provide the applicant with a notice regarding
replacement
B. The notice regarding replacement must contain the free look period
C. The notice regarding replacement explains the replacing coverage in
comparison to the existing coverage
D. A 60-day free look period must be provided - ANSWER ✔ D. A 60-
day free look period must be provided.
28.Which of the following is not an optional benefit provided by long-term care
policies?
A. Inflation protection
B. Guaranteed insurability
C. Nonforfeiture options
D. Guaranteed renewable or noncancelable - ANSWER ✔ D. Guaranteed
renewable or noncancelable
Care Exam Study Guide 2026
Questions with Correct Detailed
Answers || 100% Guaranteed Pass
<Recent Version>
1. What facility is long term care NOT provided in - ANSWER ✔ Hospital
2. An insured receives health care through both Medicare and Medicaid. She
Currently has prescription drug coverage through Medicaid. does the insured
need to enroll in Medicare part D? - ANSWER ✔ Yes, she must begin
receiving her prescription Drug coverage through Part D
3. To quality for skilled nursing care a patient must - ANSWER ✔ have a
qualifying hospital stay of at least 3 consecutive days
4. If a insured returns a Medicare supplement policy too the insurer with in 30
days of policy delivery without providing a reason, how much of policy
premium with be refunded? - ANSWER ✔ 100%
5. An individual long term care insurance policy holder has the right to return
the policy for a full refund of premium with in 30 days of the policy -
ANSWER ✔ delivery to the insured
6. If an agent receives 1000 in commissions upon the first renewal of a
medigap policy what is the maximin compensation that the agent may
receive on the fourth renewal - ANSWER ✔ 1000 dollars
7. Claim for Medicare part a services are filed by - ANSWER ✔ the provider
with the Medicare intermediary
,8. An agent sells medigap insurance in north Carolina, her renewal commission
is 10% the most that the agent can receive in first year commission is? -
ANSWER ✔ 20 percent
9. Medicare Supplements - ANSWER ✔ Health insurance filling gaps in
Medicare coverage
10.Medicare Select - ANSWER ✔ Medicare supplement plan with defined
network requirements
11.Medicare Part D - ANSWER ✔ Program offering prescription drug benefit
for Medicare beneficiaries
12.Long-Term Care Insurance - ANSWER ✔ Coverage for medical and
personal services for individuals needing extended assistance
13.Skilled Nursing Care - ANSWER ✔ Medically necessary nursing care
performed by skilled professionals
14.Custodial Care - ANSWER ✔ Health or medical care meeting daily personal
needs under a physician's order
15.Home Health Care - ANSWER ✔ Skilled or unskilled care provided in an
individual's home
16.Adult Day Care - ANSWER ✔ Custodial care for individuals requiring
assistance while caregivers are absent
17.Respite Care - ANSWER ✔ Health or medical care providing a short rest
period for a caregiver
18.Core Benefits - ANSWER ✔ Medicare Supplement plans covering
coinsurance on hospital costs
19.Long-Term Care Partnership Programs - ANSWER ✔ Initiative allowing
individuals to protect assets with long-term care insurance
,20.An individual who is not eligible for premium-free Medicare Part A
coverage may apply for coverage during which of the following enrollment
periods?
A. All of the above
B. Initial enrollment period
C. General enrollment period
D. Special enrollment period - ANSWER ✔ A. All of the above
21.Medicare makes what payment for services in which another payer may be
responsible:
A. Conditional payment
B. Interim payment
C. Transitional payment
D. Temporary payment - ANSWER ✔ A. Conditional payment
22.Insurers must offer inflation protection in which of the following policies?
A. Medicare Part C
B. Medigap
C. Long-Term Care
D. Medicaid - ANSWER ✔ C. Long-Term Care
23.What program safeguards against unnecessary and inappropriate medical
care rendered to Medicaid recipients?
A. Medicaid review program
B. Utilization renew program
C. Quality improvement organization
D. Utilization review program - ANSWER ✔ D. Utilization review
program
24.Which of the following is not a requirement for long-term care plans?
A. The individual must be unable to perform at least two ADLs
B. Inflation protection must be provided
C. Policies must accrue cash value
, D. Coveraged cannot reimburse insureds for medical expenses or
services covered by Medicare. - ANSWER ✔ C. Policies must accrue
cash value.
25.Which entity handles claims from hospitals, skilled nursing facilities, home
health agencies and hospices?
A. Carrier
B. Intermediary
C. Quality Improvement Organization
D. Utilization Review Committee - ANSWER ✔ B. Intermediary
26.What is the term for private organizations that administer Medicare Part B
benefits?
A. Carriers
B. Medical Providers
C. Intermediaries
D. Peer review organizations - ANSWER ✔ A. Carriers
27.All of the following are requirements for long-term care and medigap policy
except:
A. The agent must provide the applicant with a notice regarding
replacement
B. The notice regarding replacement must contain the free look period
C. The notice regarding replacement explains the replacing coverage in
comparison to the existing coverage
D. A 60-day free look period must be provided - ANSWER ✔ D. A 60-
day free look period must be provided.
28.Which of the following is not an optional benefit provided by long-term care
policies?
A. Inflation protection
B. Guaranteed insurability
C. Nonforfeiture options
D. Guaranteed renewable or noncancelable - ANSWER ✔ D. Guaranteed
renewable or noncancelable
