Answers to the Medicare Quiz

Question 1

All individuals are automatically enrolled in Medicare Part A and Part B at age 65?

FALSE: Not all individuals are automatically enrolled in Medicare Part A and Part B at age 65. Only those who are already receiving Social Security benefits before they turn 65 are automatically enrolled. Others need to sign up themselves. 

Question 2

Individuals receiving Social Security benefits are automatically enrolled in Medicare Part A and Part B? 

TRUE: Individuals who are already receiving Social Security benefits before they turn 65 are automatically enrolled in Medicare Part A and Part B. 

Questions 3

An individual or their spouse must have paid 20 quarters of Medicare taxes to be eligible for Medicare? 

FALSE:  An individual or their spouse must have paid 40 quarters (10 years) of Medicare taxes to be eligible for premium-free Medicare Part A. 

Question 4

If a person or their spouse has coverage from an employer that has more than 20 employees, they should only take Part A and delay Part B?

TRUE: If a person or their spouse has coverage from an employer with 20 or more employees on payroll, they can delay Part B without penalty because the employer insurance is primary, and Medicare would be secondary. 

Question 5

You must enroll in Medicare Part A and Part B if you are retired, or currently have Tricare, COBRA, an Individual Health Plan via the Marketplace (ACA), Work for an employer with 19 or less employees on payroll?  

TRUE: If you are retired, have TRICARE, COBRA, an Individual Health Plan via the Marketplace (ACA), or work for an employer with fewer than 20 employees, you must enroll in Medicare Part A and Part B because Medicare will be the primary payer. 

Question 6

A person can still contribute to a Health Savings Account (HSA) if they are enrolled in Medicare Part A?  

FALSE: Once a person is enrolled in any part of Medicare, including Part A, they can no longer contribute to a Health Savings Account (HSA). 

Question 7

In your Initial Enrollment Period, you have seven (7) months to enroll. In most cases, those seven (7) months are distributed as three (3) months before your Birth Month, your Birth Month, and three (3) months after your Birth Month?  

TRUE: The Initial Enrollment Period (IEP) for Medicare is 7 months long, beginning 3 months before the month you turn 65, including your birth month, and ending 3 months after your birth month. 

Question 8 

When enrolling in Original Medicare during a Special Enrollment Period you are required to provide the CMS-L564 document?  

TRUE: When enrolling in Original Medicare during a Special Enrollment Period, the CMS-L564 form (Request for Employment Information) is required to prove that you had coverage through your or your spouse’s current employment. 

Question 9

Original Medicare and Medicare Advantage Plans have an Open Access System that allow you to go to any provider or hospital?  

FALSE: Original Medicare allows going to any provider or hospital that accepts Medicare, but Medicare Advantage plans often have network restrictions, requiring you to use providers within the plan’s network except in emergencies. 

Question 10

Supplemental (Medigap) Plans do not require pre-authorization for any health care services?  

TRUE: Medigap plans do not require pre-authorization for services. They cover the gaps in Original Medicare, which itself does not require pre-authorizations for most services, leaving coverage decisions to Medicare’s determinations.