Xcel 5 EXAM

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5. If a retiree on Medicare required five hospital stays in one year, which policy would provide the best insurance for excess hospital expenses?

Medicare Supplement

6. Which of the following will a Long Term Care plan typically provide benefits for?

home health care

4. Medicare Part B does NOT cover:

inpatient hospital services

2. What is the MINIMUM number of Activities of Daily Living (ADL) an insured must be unable to perform to qualify for Long Term Care benefits?

2

8. How long is the typical free look period for Long Term care insurance policies?

30 days

3. A "reimbursement policy" pays what amount of covered Long-Term Care expenses?

Actual covered expenses up to the daily maximum

9. Which of the following types of care is typically not covered in a Long-Term Care policy?

Acupuncture

7. Long Term Care policies will usually pay for eligible benefits using which of the following methods?

Expense incurred

10. Which Long Term Care insurance statement is true?

Pre-existing conditions must be covered after the coverage has been in force for six months

1. The guarantee of insurability option provides a long-term care policyowner the ability to:

buy additional coverage at a later date


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