Questions and Answers
Continuous 24-hour care provided by licensed medical professionals under the direct supervision of a physician is called which of the following?
Long-Term Care policies may provide coverage for claims arising from which of the following?
Which of the following statements is TRUE about Medicaid?
Tom has a home health care benefit and is confined to his home. Which of these benefits is NOT typically covered?
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Generally speaking, which three levels of care are Long-Term Care policies provided with?
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Joe is a Medicare participant who receives his benefits through a Managed Health Care Plan. Which Medicare plan does he have?
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A Medicare Supplement basic benefit is what?
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Which type of plan would be most appropriate for an individual on Medicare and concerned that Medicare will NOT pay for charges exceeding the approved amount?
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Benefits provided by a Medicare Supplement policy must NOT do what?
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A Medicare Supplement Policy is designed to do what?
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Which of these gaps in Medicare coverage is addressed with Medicare Supplemental Insurance?
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Bill requires some nursing care and supervision but NOT full-time care. Which of these nursing home options would best serve him?
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Which type of long-term care benefit would be most appropriate for a stroke victim who requires speech therapy administered at her home?
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Which of the following nursing home options would BEST suit an individual who needs some nursing care and supervision but NOT full-time care?
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The purpose of Medicare Supplement Insurance is to address gaps in Medicare coverage, which can include what?
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Study Notes
Skilled Nursing Care
- Continuous 24-hour care overseen by licensed medical professionals under a physician's supervision is termed skilled nursing care.
Long-Term Care Policies
- Long-Term Care policies often cover conditions like senile dementia but may not include acute care in hospitals or substance abuse.
Medicaid
- Medicaid, unlike Medicare, is funded through federal, state, and local taxes, ensuring coverage for low-income individuals, including the elderly.
Home Health Care Benefits
- Home health care typically covers part-time nursing care, physical therapy, and home health aides; however, full-time nursing care is generally excluded from coverage.
Levels of Long-Term Care
- Long-Term Care policies generally offer three care tiers: skilled nursing, intermediate, and custodial care, addressing different patient needs.
Medicare Plans
- Medicare Part C refers to managed health care plans that deliver Medicare benefits through private insurance companies.
Medicare Supplement Benefits
- A fundamental benefit of Medicare Supplement policies includes covering the first three pints of blood required per year for beneficiaries.
Coverage Concerns with Medicare
- Individuals worried that Medicare may not cover charges exceeding approved amounts may consider Medicare supplement Plan F for comprehensive coverage.
Medicare Supplement Policy Restrictions
- Benefits from a Medicare Supplement policy cannot duplicate existing Medicare benefits, ensuring that these are supplemental rather than redundant.
Gaps Addressed by Medicare Supplement
- The primary purpose of Medicare Supplement Insurance is to fill coverage gaps found in Part A and Part B Medicare plans, such as the Medicare in-hospital deductible.
Nursing Care Options
- Assisted living facilities are suited for individuals needing nursing care and supervision without requiring full-time assistance.
Home Health Care for Rehabilitation
- Home health care services are ideal for patients, like stroke victims, who need specialized therapies administered at home.
Nursing Home Choices
- Assisted living facilities also best serve individuals who require some nursing care without necessitating full-time residential nursing home care.
Medicare Gaps Coverage
- Gaps in Medicare coverage, particularly the Medicare in-hospital deductible, are often addressed through Medicare Supplement Insurance.
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Description
Test your knowledge on key concepts from XCEL Chapter 15. This quiz covers important terms related to long-term care and skilled nursing services. Answer questions about care types and related policies to see how well you understand the material.
