Health Insurance Mastery Practice Exam

Which of the following is a benefit of Medicare Part A?

1. Covers preventive care and wellness exams

2. Covers hospitalization and inpatient care

3. Provides coverage for long-term nursing care

4. Covers outpatient prescription drugs

The correct answer is: Covers hospitalization and inpatient care

Medicare Part A primarily focuses on providing coverage for hospitalization and inpatient care. This includes services received during a stay in the hospital, care in a skilled nursing facility (after a qualifying hospital stay), hospice care, and some home health care services. The significance of this option lies in addressing the financial burden that acute care hospitalization can impose on individuals, which is particularly important for older adults who are often more susceptible to health issues requiring inpatient treatment. The other options do not align with the primary benefits provided by Medicare Part A. Preventive care and wellness exams are typically covered under Medicare Part B, which focuses on outpatient services and preventive care. Long-term nursing care is generally not covered by Medicare Part A; instead, it requires a different approach for coverage, often through long-term care insurance or Medicaid. Outpatient prescription drugs fall under Medicare Part D, which specifically provides prescription drug coverage. Thus, the coverage for hospitalization and inpatient care is clearly the correct association with Medicare Part A.