AD Banker Comprehensive Practice Exam

What is true about Medicare Part A coverage?

1. Covers outpatient care

2. Provides skilled nursing facility care

3. Includes routine vision care

4. It is free for all enrolled individuals

The correct answer is: Provides skilled nursing facility care

Medicare Part A is primarily known for its coverage of inpatient healthcare services. This includes hospital stays, care in skilled nursing facilities, hospice care, and some home health care services. Specifically regarding skilled nursing facility care, Medicare Part A covers a semi-private room, meals, skilled nursing care, and other services for eligible individuals following a hospital stay. This aspect of the coverage is crucial for patients who need rehabilitation or continued medical care after being discharged from a hospital. The other options do not accurately reflect the coverage under Medicare Part A. Outpatient care is usually covered by Medicare Part B, not Part A. Routine vision care is typically not included in either Part A or Part B; that's generally covered through separate vision plans. While many people may not pay a premium for Medicare Part A due to having enough work credits, it is not universally free for all enrolled individuals, as some may have to pay a premium based on their work history. Understanding these distinctions clarifies the specific offerings of Medicare Part A.