Medicare Supplement and Long-Term Care
Exam Study Guide 2026 Questions with Correct
Detailed Answers || 100% Guaranteed Pass
<Recent Version>
1. 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
2. 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.
,3. 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
4. All of the following are required to qualify for Medicare's nursing
facility benefit except:
A. The patient must spend at least three days in a hospital within
30 past days
B. The patient must meet stated income limits
C. The patient's physician must certify that skilled care is
required
D. The patient must enter a Medicare-certified skilled nursing
facility - ANSWER B. The patient must meet stated income
limits
5. Medical coverage is provided by:
A. Medicare Part A
, B. Medicare Part B
C. Medicare Part C
D. Medicare Part D - ANSWER B. Medicare Part B
6. If an individual enrolls in medicare before their birthday month and
their birthday is NOT the first day of the month, when does coverage
begin? - ANSWER The first day of their birthday month
7. B's long-term care insurance policy has a 30-calendar day elimination
period. He became eligible for long-term care benefits and started
receiving care on May 1. At what point will his policy begin paying
benefits?
A. After Bill has received 30 days of weekday care
B. After Bill has received 30 days of care
C. 30 days after the policy is issued
D. 30 days after the triggering event - ANSWER D. 30 days
after the triggering event
8. What are the benefit triggers of tax-qualified long-term care insurance
policies? - ANSWER Physical impairment or severe cognitive
impairment
9. Hospital coverage is provided by:
Exam Study Guide 2026 Questions with Correct
Detailed Answers || 100% Guaranteed Pass
<Recent Version>
1. 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
2. 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.
,3. 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
4. All of the following are required to qualify for Medicare's nursing
facility benefit except:
A. The patient must spend at least three days in a hospital within
30 past days
B. The patient must meet stated income limits
C. The patient's physician must certify that skilled care is
required
D. The patient must enter a Medicare-certified skilled nursing
facility - ANSWER B. The patient must meet stated income
limits
5. Medical coverage is provided by:
A. Medicare Part A
, B. Medicare Part B
C. Medicare Part C
D. Medicare Part D - ANSWER B. Medicare Part B
6. If an individual enrolls in medicare before their birthday month and
their birthday is NOT the first day of the month, when does coverage
begin? - ANSWER The first day of their birthday month
7. B's long-term care insurance policy has a 30-calendar day elimination
period. He became eligible for long-term care benefits and started
receiving care on May 1. At what point will his policy begin paying
benefits?
A. After Bill has received 30 days of weekday care
B. After Bill has received 30 days of care
C. 30 days after the policy is issued
D. 30 days after the triggering event - ANSWER D. 30 days
after the triggering event
8. What are the benefit triggers of tax-qualified long-term care insurance
policies? - ANSWER Physical impairment or severe cognitive
impairment
9. Hospital coverage is provided by:
