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United HealthCare Insurance Exam| Questions and Verified ANSWERs| Grade A
Question: Lisa turned 65 and is now eligible for Medicare. She
already receives Social Security benefits. How does she enroll in Original Medicare?
ANSWER: Her enrollment in Medicare Parts A and B is
generally automatic if she meets all eligibility requirements
Question: Which statement is true about a member of a
Medicare Advantage (MA) Plan who wants to enroll in a Medicare Supplement Insurance Plan?
ANSWER: When a consumer enrolls in a Medicare Supplement
Insurance Plan, they are not automatically disenrolled from their MA Plan
Question: Being 65 or older, being under 65 years of age with
certain disabilities for more than 24 months, and being any age with ESRD or ALS are each eligibility requirements for which program?
ANSWER: Original Medicare
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Question: Which of the following defines a Medicare Advantage
(MA) Plan? (Select 2) 1) MA Plans must provide benefits equivalent to Original Medicare, and most plans also offer additional benefits 2) MA Plans provide Medicare hospital and medical insurance and often include Medicare prescription drug coverage
ANSWER: 1 and 2
Question: Which of the following is NOT an eligibility
requirement for enrollment in a Medicare Advantage Plan?
ANSWER: Does not have any pre-existing conditions such as
diabetes or End Stage Renal Disease (ESRD)
Question: Which of the following statements is correct about
HMO MA Plans?
ANSWER: Members must receive covered services from
contracted network providers with limited exceptions
Question: Which of the following is NOT a correct statement
about in-network provider services?
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ANSWER: Network-based MA plans have a provider network
the member can use, and some plans also cover certain services outside the network (INCORRECT)
Question: What is true about Medicare supplement open
enrollment?
ANSWER: A consumer who waits to enroll in Medicare Part B
until age 66 or older cannot qualify for Medicare Supplement Open Enrollment (INCORRECT); It is the only time a consumer is eligible to purchase a Medicare Supplement Insurance Plan
(INCORRECT) [Note: Correct ANSWER based on context is
that it occurs for 6 months starting the first month of Part B eligibility at age 65 or older]
Question: Jennifer is enrolling into a Medicare Advantage (MA)
plan and wants to know what counts toward the Out-of-Pocket Maximum. Which of the following is accurate?
ANSWER: The Out-of-Pocket Maximum will include her costs
toward any Medicare-covered Part A or B services
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Question: Which of the following statements is true about a
Medicare Supplement Insurance Plan member who wants to enroll in an MA Plan?
ANSWER: Medicare Supplement Insurance cannot be used in
conjunction with an MA Plan; therefore, after receiving confirmation of enrollment into the MA Plan, the member must cancel their Medicare Supplement Insurance policy according to their carrier's rules
Question: Which of the following best defines Medicare Part D?
ANSWER: It is a government program, offered only through a
private insurance company or other private company approved by Medicare, which provides prescription drug coverage
Question: Which of the following is a fact about Medicare
Prescription Drug Plans?
ANSWER: To enroll, member must be in plans service area
Question: What are two options for Medicare consumers to get
Part D prescription drug coverage (assuming they meet all eligibility requirements)? (Select 2)