Hawaii Medicare and social insurance practice questions
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Section III of the Hawaii Accident and Health exam's general part, Social Insurance, has 6 of the 50 scoreable general questions. It lists Medicare (Parts A, B, C, D), Medicaid and Social Security benefits. [1] Medicare supplement policies are also listed under section I. [1] This page explains these programs with Hawaii Insurance Division and federal sources, then gives 10 practice questions.
Medicare basics
The Hawaii Insurance Division describes Medicare as "federal health insurance for people age 65 and older," administered by the Centers for Medicare & Medicaid Services. [2] Medicare.gov adds that people may qualify earlier if they have a disability, End-Stage Renal Disease or ALS. [3]
- Part A (Hospital Insurance): helps cover inpatient hospital care, skilled nursing facility care, hospice care and home health care. [4]
- Part B (Medical Insurance): covers services from doctors and other providers, outpatient care, home health visits, equipment such as walkers, and many preventive screenings and vaccines. [4]
- Part C (Medicare Advantage): "an alternative to Original Medicare for your health and drug needs," a Medicare-approved private plan. [4]
- Part D: "helps cover the cost of prescription drugs," either as a standalone plan with Original Medicare or within a Medicare Advantage plan. [4]
Medigap versus Medicare Advantage
The Insurance Division explains that Medigap is "extra insurance you can buy from a private health insurance company" to help pay Original Medicare out of pocket costs such as copayments, coinsurance and deductibles, and that you generally need Part A and Part B first. A Medicare Advantage plan "is another way to get your Medicare coverage besides Original Medicare," while a Medigap policy only helps pay costs Original Medicare does not cover. [5] The Division regulates Medigap and keeps a list of Medigap insurers. [2]
Medicaid and long term care
The Division says standard health insurance and Medicare usually do not pay for long term care, and that people with minimal savings would likely qualify for Medicaid in a very short time. [6]
Social Security disability
The Social Security Administration says you qualify only if you cannot do work you did before or adjust to other work because of your medical condition, and the condition has lasted or is expected to last at least one year or to result in death. Benefits have a five month waiting period. Generally you need 40 work credits, 20 of them earned in the last 10 years, and you can earn up to four credits a year. [7]
Practice questions
1. Which part of Medicare covers hospice care?
A. Part A
B. Part B
C. Part C
D. Part D
Answer: A. [4]
2. A client needs coverage for doctor visits and outpatient care. Which part covers that?
Answer: Part B. [4]
3. Which part is the private plan alternative to Original Medicare?
Answer: Part C, Medicare Advantage. [4]
4. Which part covers prescription drugs?
Answer: Part D. [4]
5. What does a Medigap policy pay for?
Answer: Costs Original Medicare does not cover, such as copayments, coinsurance and deductibles. [5]
6. What does a person generally need before buying Medigap?
Answer: Medicare Part A and Part B. [5]
7. Who regulates Medigap insurance sold in Hawaii?
Answer: The Hawaii Insurance Division. [2]
8. According to the Insurance Division, does Medicare usually pay for long term care for chronic illness?
Answer: No. [6]
9. How long is the waiting period for Social Security disability benefits?
Answer: Five months. [7]
10. How many Social Security work credits does a disability applicant generally need?
Answer: 40, with 20 earned in the last 10 years. [7]
Study tips for section III
- A hospital, B doctor and outpatient, C Advantage, D drugs.
- Medigap works with Original Medicare; Medicare Advantage replaces it.
- Social Security disability: unable to work, expected to last a year or end in death, five month wait.
Practice more with the free Hawaii accident and health practice test.
Prep Retention is independent and is not affiliated with Pearson VUE or the state.
Sources
Laws and exam documents quoted as of October 2026.
- Pearson VUE, Hawaii content outlines 121201 (effective January 1, 2026): https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121201.pdf
- Hawaii Insurance Division, Health Insurance Information: https://cca.hawaii.gov/ins/health-insurance-information/
- Medicare.gov, Get started with Medicare: https://www.medicare.gov/basics/get-started-with-medicare
- Medicare.gov, Parts of Medicare: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/parts-of-medicare
- Hawaii Insurance Division, Medicare Supplement (Medigap) Insurance: https://cca.hawaii.gov/medigap/
- Hawaii Insurance Division, Long-Term Care Insurance Basics: https://cca.hawaii.gov/ins/long-term-care-insurance-basics/
- Social Security Administration, Disability benefits: How you qualify: https://www.ssa.gov/benefits/disability/qualify.html