AD Banker Comprehensive Practice Exam

Michelle is 65 and starting to receive Social Security benefits. To receive Medicare Part A, she needs to:

1. Do nothing

2. Complete an open enrollment application

3. Complete an open enrollment application along with the first month's premium

4. Enroll in Medicare Part B at the same time

The correct answer is: Do nothing

The correct answer reflects the process by which individuals become eligible for Medicare Part A upon turning 65. Generally, individuals who are already receiving Social Security benefits automatically qualify for Medicare Part A without any additional steps. This automatic enrollment means that there is no need for Michelle to take any action, such as completing an application or making a premium payment for Part A, as it is provided at no cost for those who have paid Medicare taxes for a sufficient number of quarters. Other options imply additional steps or conditions that are not necessary for individuals who are already receiving Social Security benefits. Completing an application or paying premiums would pertain to scenarios where individuals are not automatically enrolled or are seeking coverage in different situations. The age requirement and receiving Social Security directly lead to an automatic enrollment in Medicare, making the process straightforward for individuals like Michelle.