1. Exam Prep
  2. West Virginia
  3. Life, Accident & Health
  4. Senior and Special Needs

Free Senior and Special Needs Practice Questions

West Virginia Life, Accident & Health exam — 46 practice questions.

Subtopics: Medicare eligibility, Medicare Part A financing, Medigap purpose, Medicare Part B cost sharing, Home health care, Adult day care, Chronically ill certification, LTC partnership, Medicare SELECT, Special needs plan, LTC suitability, Replacement of LTC, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Medicare supplement, Medicaid, Long-term care, Part A financing, Part A benefit period, Part B enrollment, Initial enrollment period, Part D late penalty, Medicare exclusions, Medigap core benefits, Medigap duplication, LTC elimination period, LTC benefit pool, LTC inflation protection, LTC cognitive trigger, Tax-qualified LTC, LTC renewability, Intermediate care, Assisted living

Read the Senior and Special Needs study guide

Sample questions & answers

1. Eligibility for Medicare generally begins for most people at:

Age 65, or earlier with certain disabilities

Most people become eligible for Medicare at age 65, with earlier eligibility for certain disabilities or conditions.

2. Medicare Part A is financed primarily through:

Payroll (FICA) taxes paid during working years

Medicare Part A is funded chiefly by payroll taxes, so most beneficiaries pay no premium for Part A.

3. A Medicare Supplement (Medigap) policy is designed to:

Help pay costs Medicare does not cover, such as deductibles and coinsurance

Medigap policies help cover gaps in Medicare such as deductibles, copayments, and coinsurance.

4. Medicare Part B generally requires the beneficiary to pay:

A monthly premium and an annual deductible, then coinsurance (verify amounts)

Part B generally involves a monthly premium, an annual deductible, and coinsurance for covered services; verify current amounts.

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Practice: Senior and Special Needs

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.