17 Free Oklahoma Life & Health Practice Questions: Medicare and Long-Term Care (2026)

Question 1 (Chapter 7)

A producer in Tulsa is meeting with a client, Mr. Henderson, who is 66 years old and enrolled in Original Medicare. Mr. Henderson wants a policy that will cover his 20% coinsurance for Part B medical expenses. Which product should the producer recommend?

• A) Medicare Part D
• B) Medicare Part C
• C) Long-Term Care Insurance
• D) Medicare Supplement (Medigap)

Question 2 (Chapter 7)

A producer is explaining Medicare Supplement Plan A to a client. What are the 'core' benefits included in Plan A?

• A) Part A coinsurance, Part B coinsurance (usually 20%), and the first 3 pints of blood.
• B) Part A deductible and Part B deductible.
• C) Skilled Nursing Facility coinsurance and foreign travel emergency coverage.
• D) Prescription drug coverage and wellness visits.

Question 3 (Chapter 7)

In a Medicare Advantage (Part C) HMO plan, what typically happens if the insured receives non-emergency care from an out-of-network provider?

• A) Medicare Part A will cover the costs instead.
• B) The HMO plan will pay the full cost minus a small copay.
• C) The provider is required by law to accept the Medicare-approved amount as full payment.
• D) The insured may be responsible for 100% of the costs.

Question 4 (Chapter 7)

An Oklahoma resident has a Medicare Supplement Plan G. Which of the following costs will she still have to pay out-of-pocket?

• A) The Medicare Part B annual deductible.
• B) The Medicare Part A hospital deductible.
• C) The 20% coinsurance for doctor visits.
• D) The cost of the first 3 pints of blood.

Question 5 (Chapter 7)

A producer is explaining 'Medicare Select' to an applicant in Broken Arrow. How does Medicare Select differ from a standard Medicare Supplement plan?

• A) It uses a network of providers (like a PPO or HMO) to lower premiums.
• B) It is only available to people under age 65.
• C) It only covers prescription drugs.
• D) It is a government-run program that replaces Medicare Part B.

Question 6 (Chapter 7)

An Oklahoma producer is assisting a client with a Long-Term Care (LTC) application. The producer fails to provide the 'Long-Term Care Personal Worksheet' and the 'Things You Should Know Before You Buy' disclosure. Which Oklahoma authority is responsible for penalizing this violation?

• A) The Oklahoma Life and Health Insurance Guaranty Association.
• B) The Centers for Medicare and Medicaid Services (CMS).
• C) The Oklahoma Insurance Commissioner (OID).
• D) The Oklahoma Attorney General's Consumer Protection Division.

Question 7 (Chapter 7)

In Oklahoma, if a Medicare Supplement policy is sold, the insurer must provide a 'Shopper’s Guide to Medicare Supplement Insurance.' When must this guide be delivered?

• A) At the time of policy delivery.
• B) Within 30 days of the first premium payment.
• C) At the time of application.
• D) Only if the applicant specifically requests it in writing.

Question 8 (Chapter 7)

A client in Norman has Medicare Supplement Plan N. She visits her primary care physician for a non-preventive office visit. Under Plan N rules, what is her typical cost-sharing responsibility for this visit?

• A) She pays a copayment of up to $20.
• B) She pays nothing; Plan N covers 100% of Part B coinsurance.
• C) She pays a copayment of up to $50 for all office visits.
• D) She must pay the full Medicare-approved amount until she meets a $500 deductible.

Question 9 (Chapter 7)

Under Medicare Part D, what happens when an insured reaches the 'Catastrophic Coverage' stage?

• A) The insured's out-of-pocket costs for covered drugs are significantly reduced for the rest of the year.
• B) The insured must pay 100% of all drug costs for the remainder of the year.
• C) The policy is automatically cancelled due to excessive claims.
• D) The insured is required to switch to a Medicare Advantage plan.

Question 10 (Chapter 7)

A producer is explaining 'Medicare Select' to a client in Lawton. What is the defining characteristic of a Medicare Select policy?

• A) It only covers prescription drugs and nothing else.
• B) It is a type of life insurance that pays for Medicare premiums.
• C) It is only available to individuals under the age of 65 who are on disability.
• D) It is a Medicare Supplement policy that requires the use of a specific network of providers for full benefits.

Question 11 (Chapter 7)

Mr. Garcia is interested in a Medicare Advantage Private Fee-for-Service (PFFS) plan. How should his Oklahoma producer explain the provider access for this specific type of plan?

• A) He must use a restricted HMO network of doctors in his county.
• B) He is required to get a referral from a primary care physician for all specialist visits.
• C) The plan only covers providers who are employees of the insurance company.
• D) He can go to any Medicare-approved provider in Oklahoma that accepts the plan's terms and conditions of payment.

Question 12 (Chapter 7)

A client in Broken Arrow is choosing between Medigap Plan G and Plan N. He is concerned about 'Part B Excess Charges' from a specialist who does not accept Medicare assignment. Which plan should the producer recommend to cover these specific charges?

• A) Plan N, because it has a lower premium.
• B) Neither plan covers excess charges; he would need Plan A.
• C) Either plan, as all Medigap plans must cover excess charges by law.
• D) Plan G, because it covers 100% of Part B excess charges.

Question 13 (Chapter 7)

An Oklahoma resident joined a Medicare Advantage plan on January 1. By February, she realizes she does not like the plan's network. What is her option during the Medicare Advantage Open Enrollment Period (MA OEP)?

• A) She must wait until October 15 to make any changes.
• B) She can make a one-time change to a different Medicare Advantage plan or return to Original Medicare between January 1 and March 31.
• C) She can switch plans, but only if she pays a $250 administrative penalty.
• D) She can only switch if she is diagnosed with a new medical condition.

Question 14 (Chapter 7)

A client with Medigap Plan G is traveling to Italy and requires emergency surgery. How does his Medigap policy handle this?

• A) It provides no coverage; Medicare and Medigap only work in the U.S.
• B) It pays 80% of the billed charges for Medicare-eligible expenses for medically necessary emergency care, after a $250 deductible, up to a lifetime maximum of $50,000.
• C) It pays 100% of all costs because Plan G is a comprehensive plan.
• D) It only covers the flight back to Oklahoma for treatment.

Question 15 (Chapter 7)

An Oklahoma senior, Mrs. White, failed to enroll in Medicare Part D when she first became eligible 24 months ago. She did not have any other creditable prescription drug coverage during that time. How will her Part D Late Enrollment Penalty (LEP) be calculated when she finally joins a plan?

• A) A flat $50 fine added to her first month's premium.
• B) 1% of the 'national base beneficiary premium' for every full month she was eligible but not enrolled.
• C) 10% of the plan's premium for each year she delayed enrollment, lasting for the life of the policy.
• D) She is barred from ever enrolling in Part D due to the 2-year delay.

Question 16 (Chapter 7)

In a Long-Term Care policy, 'Cognitive Impairment' is a common benefit trigger. How is this typically defined in Oklahoma policies?

• A) The inability to perform at least 3 Activities of Daily Living (ADLs).
• B) The loss of the ability to speak or hear.
• C) A deficiency in a person's short or long-term memory, orientation as to person, place, and time, or deductive or abstract reasoning.
• D) Any physical injury that requires hospitalization for more than 48 hours.

Question 17 (Chapter 7)

An Oklahoma producer is explaining a Medicare Advantage Private Fee-for-Service (PFFS) plan to a client. What is a unique characteristic of how providers are paid in a PFFS plan?

• A) Providers must sign a contract with the plan to be in the network.
• B) The plan pays the provider on a capitated basis (per head) regardless of services rendered.
• C) Providers who have not signed a contract but agree to the plan's terms and conditions are 'deemed' to be providers for that patient visit.
• D) PFFS plans do not pay providers; the insured must pay the provider and seek reimbursement from Medicare.