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CRPC _ Navigating Health Care Options in Retirement.
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CRPC _ Navigating Health Care Options in Retirement.
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CRPC | Navigating Health Care Options inRetirement
All of the following are true regarding living wills except:
A) they must be witnessed by people who are not heirs of the maker.
B) they must be signed.
C) they allow the maker to dictate what life-sustaining measures may be taken if the
maker becomes incapable of consenting to treatment.
D) they apply to routine illnesses. - ANS-Answer: D
Living wills apply only when the maker has a terminal illness and death is imminent.
Which one of the following is true regarding Medicare Part A?
A) It costs approximately $413 per month for most individuals.
B) It helps pay for care in a skilled nursing facility for up to 100 days.
C) It pays doctor bills.
D) It covers outpatient hospital care. - ANS---B It helps pay for care in a skilled nursing
facility for up to 100 days.
Within certain parameters, Medicare Part A helps pay for care in a skilled nursing
facility. Medicare Part A is free for most recipients (who have worked in covered
employment for at least 40 quarters). Doctor bills and outpatient hospital care are
covered by Medicare Part B. On the other hand, Medicare has only very limited
coverage for long-term care. Having Medicare does not mean a person has adequate
LTC coverage. Medicare LTC coverage should be seen as rehabilitative care rather than
as true LTC.
Inpatient hospital care under Medicare Part A coverage includes all the following costs
except:
A) private rooms.
B) meals.
C) operating and recovery rooms.
D) inpatient prescription drugs. - ANS-Answer: A
Inpatient hospital care includes costs for semiprivate rooms, meals, operating and
recovery rooms, and prescription drugs. It does not cover the cost of private rooms.
Which of the following costs is NOT normally covered by Medicare Part B?
A) Home health care
B) Physician services
, C) Preventive care
D) Prescription drugs - ANS-Answer: D
Medicare Part B does not normally cover eyeglasses, cosmetic surgery, most
prescription drugs, and other types of expenses.
Note that preventive care is covered under Part B.
Which of the following is not an acceptable strategy for filling gaps between actual costs
and Medicare coverage?
A) enrolling in Medicare Advantage and purchasing a coordinating Medigap policy
B) for low-income seniors, qualifying for Medicaid
C) maintaining coverage through an employer-provided health plan
D) purchasing Medigap policies from private vendors - ANS-Answer: A
People who enroll in a Medicare Advantage plan cannot also maintain a Medigap
insurance policy. Purchasing Medigap insurance, maintaining coverage through an
employer-provided health plan, and qualifying for Medicaid are all plausible strategies to
fill gaps between actual costs and Medicare coverage.
All the following are health plan options under Medicare Advantage plans except
A) private fee-for-service plans.
B) health maintenance organizations (HMOs).
C) Medicaid provider plans (MPPs).
D) preferred provider organizations (PPOs). - ANS-Answer: C
There is no such entity as a Medicaid provider plan.
Which one of the following is not correct regarding a conservatorship?
A) The required court hearing is a matter of public record.
B) A conservator is given responsibility for managing the affairs of an individual who can
no longer make his or her own decisions.
C) A conservatorship is granted by the beneficiary.
D) The court may require the posting of a performance bond. - ANS-Answer: C
A conservator is named, or granted authority, by the court.
A conservator is responsible for managing the financial affairs of an individual who can
no longer make his or her own decisions.
Provisions of the Affordable Care Act include all of the following EXCEPT:
A) certain preventive care services must now be provided with no cost sharing on the
consumer's part.
B) health savings accounts (HSAs) can now be used to cover over-the-counter
medicines not prescribed by a doctor.
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