Chapter 13 Flash Cards

What Medicare part provides a prescription drugs benefit?

Part D

When is the initial enrollment period for Medicare Part A?

When an individual first becomes eligible for Medicare, starting 3 months before turning age 65 and ending 3 months after the 65th birthday

What Medicare part will cover lab services or diagnostic tests?

Part B

An insured with Medicare Part D has reached the initial benefit limit and must now pay a portion of prescription drugs costs. What is the term for this gap in coverage?

The donut hole

If an individual is covered by Medicare, and is also covered by his employer's health plan, which plan would be considered primary?

The employer plan

How many parts does Medicare have?

Four: Parts A - D

What part of Medicare is known as hospital insurance?

Part A

What benefits are provided by Medicare Part C?

Expanded benefits for a fee through private insurance programs such as HMOs or PPOs.

Who issues Medigap policies?

Private insurers

Who qualifies for Medicare coverage?

People age 65 or older, or anyone who has been entitled to Social Security disability income benefits for 2 years, or who has chronic kidney disease

What is the purpose of respite care in long-term care insurance?

To provide relief for a major caregiver (usually a family member)

In which Medicare supplemental policies are the core benefits found?

All plans (A-N)

How many pints of blood will be paid for by Medicare Supplement core benefits?

First 3 pints

Medicare Part A will pay for what type of services?

Inpatient hospital care, skilled nursing facility care, home health care and hospice care

Can Alzheimer's disease be excluded from coverage under a long-term care policy?

No, organic cognitive disorders, such as Alzheimer's or Parkinson's must be covered

Who is eligible for Part B Medicare?

Part B is optional, and is offered to everyone who enrolls in Part A

What is another name for Medicare Supplement plans?

Medigap

What Medicare part helps pay for inpatient hospital care, inpatient care in a skilled nursing facility, home health care and hospice care?

Part A

What is another name for Medicare Advantage plans?

Part C

What part of Medicare is known as medical insurance?

Part B

What are the activities of daily living?

Mobility, bathing, dressing, eating, toileting, and continence

At what age do individuals qualify for Medicare?

Age 65

How is Part B Medicare funded?

By monthly premiums and from the general revenues of the federal government

What is the required free-look period for Medicare Supplement policies?

30 days

What is the purpose of Medicare Supplement plans?

To fill in the gaps in Medicare coverag