Simulate 3

I'm a long-term care policy, which of the following terms can only be used when the insured does not have the right to change the premium? A. Guaranteed renewable B. Material misrepresentation C. Contestable D. Level premium

A

The provision of hands-on services to assist an individual with activities of daily living is called A. Skilled nursing care B. Personal care C. Toileting D. Transferring

A

Which of the following is not true regarding Medicare supplement plans available to individuals eligible for Medicare by reason of disability? A. Standardize plans a, d or g must be available B. Insurers may discriminate in the pricing of the plans C. Those whose Managed care plans coverage has been terminated or not eligible D. The individual may be under age 65

A

A producer has replaced one Medigap policy with another. both plans have the same benefits. The producer first year commission is 20%. Her renewal commission is 10%. Both plans are with the same insurer. The producers first year commission on the policy is A. 10% B. 20% C. 30% D. None as policy replacement is illegal in North Carolina

B

In long-term care insurance, what is the minimum amount per day that must be offered for home health care Benefits? A. $25 B. $50 C. $75 D. $100 oh

B

Long term care insurance policies must provide benefits for at least how many levels of care A. 2 B. 3 C. 4 D. 6

B

To sign up for a Medicare prescription drug plan, individuals must first be enrolled in A. Medicare part c B. Medicare part d C. Medicare supplement plans D. Medicare part a or b

B

Under Medicare home health care services, what is the patients out of pocket cost for durable medical Equipment? A. Zero dollars B. 10% C. 20% D. 100%

C

Which is the following entities take applicants for Medicare, collect premiums, and provide general information about Medicare A. The state department of health B. The social security administration C. The centers for Medicare and Medicaid services D. The state department of insurance

C

An eligible individual did not enroll into Medicare part B during the general enrollment period. For each full 12 months. The individual could have been enrolled, but was not, The premium will be increased by A. 3% B. 5% C. 10% D. 12%

D

As defined by long-term care policies as an activity of daily living, the term toileting includes which of the following? A. Washing by sponge bath B. Getting into and out of a tub C. Performing personal hygiene D. The ability to maintain control of vowel

D

In an inpatient hospital setting, radiation therapy is covered by A. Medicare part A Or Medicare part B B. The patient C. Medicare part B D. Medicare part a

D

The Medicare part a daily copayment for the first 60 days of a hospital stay is A. Zero dollars B. $147 C. $352 D. $704

D

The doctor scene first for most health problems and an HMO is called the A. Specialist B. Provider C. General practitioner D. Primary care physician

D

When a Medicare supplement policy is guaranteed renewable, that means A. The company must automatically renew the policy as long as the premium is paid B. The policy is non-cancelable C. The policy is grandfathered D. The policy may not raise the premium

D