Private insurance plans for seniors

Which of the following describes coverage for the Medicare part B coinsurance? Only a long-term care policy will cover Medicare part B coinsurance A Medicare supplement optional benefit A Medicare supplement core benefit Medicare part B does not require a coinsurance so no additional coverage is needed

A Medicare supplement core benefit

Andy is in need of health care performed by skilled medical practitioners, but only on a Intermittent basis what level of care with his doctor likely prescribe Respite care Intermediate care Custodial care Skilled nursing care

Intermediate care

Long-term care policies will usually pay for eligible benefits using which of the following methods Delayed Fee-for-service Expense incurred Respite

Expense incurred

Terry receives long-term physical therapy at her residence. What type of insurance would cover the service? Home healthcare Long-term disability income Nursing home Respite care

Home healthcare

He family counseling benefit is typically offered under which of these coverages Skilled nursing care Respite care Home health care Hospice care

Hospice care

Some standard, Medicare supplement policies include which benefit Hospice care Respite care Vision care Custodial care

Hospice care

Which of these statements reflects an accurate portrayal of Medicare select Insured uses preferred providers in exchange for paying lower premiums Evidence insurability must be given enrollment Medicare select normally subject to deductibles and coinsurance Open enrollment periods do not apply to Medicare select plans

Insured uses preferred providers in exchange for paying lower premiums

Custodial care is normally covered under Major medical insurance Medicare part B Long-term disability insurance Long-term care insurance

Long-term care insurance

Respite care coverage is typically found in a HMO PPO Long-term care policy Major medical expense policy

Long-term care policy

Which individual would be best suited for Medicare supplement insurance Medicare enrollee Medicaid enrollee Social Security recipient HMO subscriber

Medicare enrollee

Which of these is a type of private insurance that covers the cost sharing amounts under Medicare Major medical insurance Medicaid Disability income Medicare supplement

Medicare supplement

Which of the following covers the part a deductible of Medicare Medicare part B Medicaid Medicare supplement core benefits Medicare supplement additional benefits

Medicare supplement core benefits

Medicare part B excess charges are covered by Long-term care policies Respite care Medicare part a Medicare supplemental insurance

Medicare supplemental insurance

Medicare supplement insurance requires an individual to be at least how old for open enrollment 59 1/2 years old 65 years old 70 1/2 years No minimum age

No minimum age

What is a functional assessment for long-term care benefits An assessment of the insurers financial solvency A review of the insurers ability to pay long-term care benefits A review of the insured's ability to perform the activities of daily living An assessment of the quality of care given in a long-term care facility

A review of the insured's ability to perform the activities of daily living

Which of the following is not covered by comprehensive long-term care policy Custodial care Acute care Physical therapy Skilled nursing care

Acute care

In long-term care insurance what is the length of time which claims will be paid Benefit period Free look Period Grace Period Elimination period

Benefit period

What type of doctor ordered care assists in individual with performing basic daily activities, such as bathing dressing and eating Custodial care Respite care Family care Domestic care

Custodial care

When does covered with a long-term care insurance and has early stage Alzheimer's? She is still able to reside in her home while receiving primary care as opposed to moving into a nursing home all the following long-term benefits encourage home healthcare, except Custodial care Home health care Adult daycare Respond care

Custodial care

Under a long-term care inflation rider the benefits levels Periodically increase without proof of insurability Periodically decrease without proof of insurability Periodically increase with proof of insurability Periodically decrease with proof of insurability

Periodically increase without proof of insurability

A Medicare supplement policy is required to do which of the following Provide 10 day free look. Period. Provide 20 day free look. Period. Provide 30 day free look. Period. Provide 60 day free look. Period.

Provide 30 day free look. Period.

Which of the following would provide a reimbursement of some premiums when a long-term care policy is canceled Return of premium rider Return of cash value, Ryder Reimbursement Ryder Cost-of-living Rider

Return of premium rider

Which of the following does a Medicare advantage enrolle generally typically pay for Retainer fee Annual deductible's Small co-pay per visit or per service Capitation

Small co-pay per visit or per service

Qualified, long-term care premiums are treated for tax purposes as Qualified retirement plans Always nondeductible 100% tax deductible Tax-deductible to the extent they exceed 7 1/2% AGI

Tax-deductible to the extent they exceed 7 1/2% AGI

Which of the following is a true statement regarding a Medicare supplement policy purchased during the open enrollment period There will be a reduction in benefits Elimination period will be longer than normal The cost of premiums will be higher than normal The policy will be issued regardless of health

The policy will be issued regardless of health

Medicare supplement insurance that provides a preventative medical care benefit, will often cover Respite care Hospitalization Custodial care Yearly physical examinations

Yearly physical examinations