Kansas Health Insurance Practice Exam Free 2026

• A. Employer-provided insurance
• B. Health insurance for low-income families
• C. State-run health insurance
• D. Federal health insurance program primarily for people 65 and older

Correct answer: D. Federal health insurance program primarily for people 65 and older

Explanation: Medicare is a federal health insurance program primarily for people 65 and older, as well as certain younger people with disabilities and those with End-Stage Renal Disease.

• A. Prescription drugs
• B. Doctor visits and outpatient services
• C. Hospital insurance including inpatient care
• D. Dental and vision

Correct answer: C. Hospital insurance including inpatient care

Explanation: Medicare Part A is hospital insurance that covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.

• A. Long-term care
• B. Hospital stays
• C. Prescription drugs
• D. Medical insurance including doctor services and outpatient care

Correct answer: D. Medical insurance including doctor services and outpatient care

Explanation: Medicare Part B is medical insurance that covers physician services, outpatient care, preventive services, durable medical equipment, and some home health care.

• A. Cancer treatment coverage
• B. Private health plans that provide all Part A and B coverage, often with additional benefits
• C. Prescription drug coverage
• D. Supplemental coverage only

Correct answer: B. Private health plans that provide all Part A and B coverage, often with additional benefits

Explanation: Medicare Part C (Medicare Advantage) plans are offered by private insurers approved by Medicare. They must cover everything Original Medicare covers and often include additional benefits like vision, dental, and prescription drugs.

• A. Dental services
• B. Prescription drug coverage
• C. Disability benefits
• D. Hospital stays

Correct answer: B. Prescription drug coverage

Explanation: Medicare Part D provides prescription drug coverage. It's offered through private plans approved by Medicare, either as stand-alone prescription drug plans or as part of Medicare Advantage plans.

• A. A Medicare Advantage plan
• B. A replacement for Medicare
• C. Private insurance that helps pay Medicare's gaps like deductibles and coinsurance
• D. Medicare for low-income individuals

Correct answer: C. Private insurance that helps pay Medicare's gaps like deductibles and coinsurance

Explanation: Medicare Supplement (Medigap) policies are sold by private insurers to help pay for out-of-pocket costs not covered by Original Medicare, such as deductibles, copays, and coinsurance.

• A. A private insurance option
• B. A prescription drug program
• C. A joint federal-state program providing health coverage to low-income individuals
• D. A federal program for seniors

Correct answer: C. A joint federal-state program providing health coverage to low-income individuals

Explanation: Medicaid is a joint federal and state program that provides health coverage to eligible low-income individuals, families, children, pregnant women, elderly, and people with disabilities.

• A. Only in certain states
• B. Yes, these individuals are called 'dual eligibles'
• C. Only for prescription drugs
• D. No, you must choose one

Correct answer: B. Yes, these individuals are called 'dual eligibles'

Explanation: Yes, some individuals qualify for both Medicare and Medicaid. These 'dual eligible' beneficiaries get Medicare coverage plus Medicaid may pay their Medicare premiums and cover additional services.

• A. Insurance sold to groups of friends
• B. Health coverage provided to a group, typically by an employer
• C. A group of policies combined
• D. Coverage for group activities

Correct answer: B. Health coverage provided to a group, typically by an employer

Explanation: Group health insurance is health coverage provided to a defined group of people, most commonly employees of a company, under a single master policy. Risk is spread across the group.

• A. A law allowing continued group health coverage after qualifying events like job loss
• B. A type of snake bite coverage
• C. A government health program
• D. A type of HMO plan

Correct answer: A. A law allowing continued group health coverage after qualifying events like job loss

Explanation: COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that allows employees and their families to continue group health coverage for a limited time after qualifying events like job loss, reduced hours, or divorce.

• A. Indefinitely
• B. 18 months for most qualifying events
• C. 6 months
• D. 12 months

Correct answer: B. 18 months for most qualifying events

Explanation: COBRA coverage typically lasts 18 months for most qualifying events (job loss, reduced hours). It can extend to 36 months for certain events like divorce or a child losing dependent status.

• A. It's always free
• B. The employee pays the full premium plus up to 2% administrative fee
• C. The former employer pays 100%
• D. The government subsidizes it

Correct answer: B. The employee pays the full premium plus up to 2% administrative fee

Explanation: Under COBRA, the former employee pays the full premium cost (including the portion the employer previously paid) plus up to a 2% administrative fee. This is often significantly more expensive than when employed.