Senior Citizens and Special need Essay

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Insured uses preferred providers in exchange for paying lower premiums
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Which of these statements reflects an accurate portrayal of Medicare SELECT?
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A review of the insured’s ability to perform the activities of daily living
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What is a “functional assessment” for long-term care benefits?
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A Medicare Supplement core benefit
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Which of the following describes coverage for the Medicare Part B coinsurance?
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Acute care
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Which of the following is NOT covered by a comprehensive long-term care policy?
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Medicare Supplement
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Which of these is a type of private insurance that covers the cost-sharing amounts under Medicare?
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Custodial care
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Linda is covered with long-term care insurance and has early-stage Alzheimer’s. She is still able to reside in her home while receiving primary care, as opposed to moving into a nursing home. All of the following long-term benefits encourage this EXCEPT for
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yearly physical examinations
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Medicare supplement insurance that provides a preventative medical care benefit will often cover
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Eating, bathing, dressing, and mobility
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When dealing with long-term care coverage, which of the following are classified as ADLs?
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Activities of daily living
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In long-term care insurance, what is an “ADL”
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No minimum age
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Medicare Supplement insurance requires an individual to be at least how old for open enrollment?
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Nursing homes
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Long-term care policies normally cover expenses associated with
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Medicare Supplemental insurance
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Medicare Part B excess charges are covered by
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Benefit period
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In long-term care insurance, what is the length of time for which claims will be paid?
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Custodial care
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What type of doctor-ordered care assists an individual with performing basic daily activities such as bathing, dressing, and eating?
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assisted living facility
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Julie is in need of assistance with one or two activities of daily living. She may be eligible for a(n)
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Home health care
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Terry receives long-term physical therapy at her residence. What type of insurance would cover this service?
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buy additional coverage at a later date
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The guarantee of insurability option provides a long-term care policyowner the ability to
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Medicare enrollee
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Which individual would be best suited for Medicare Supplement insurance?
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Care for incurable conditions
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Which of the following is NOT an allowable exclusion for long-term care insurance policies?
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Hospice care
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Some standard Medicare Supplement policies include which benefit?
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a Medicare Supplement
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A health plan offered by private insurance companies is
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Must be provided exclusively in a hospital
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Which of the following does NOT meet the requirements of “skilled nursing care”?
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Provide a 30 day free-look period
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A Medicare Supplement policy is required to do which of the following?
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excluded from the employee’s gross income
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Employer-paid qualified long-term care insurance premiums are typically

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