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Medicare and social insurance practice questions (Massachusetts A&H exam)

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Section III of the Massachusetts Accident, Health or Sickness Producer exam, "Social Insurance," has 6 scored questions on Medicare (Parts A, B, C and D), Medicaid and Social Security benefits. [1] This page uses the Massachusetts SHINE Medicare guide, Medicare.gov, the Social Security Administration and Massachusetts law, with 10 practice questions.

Medicare at a glance

Practice questions

1. Which part of Medicare is hospital insurance?
A. Part A
B. Part B
C. Part C
D. Part D

Answer: A. [2]

2. Which part covers prescription drugs?
Answer: Part D. [2]

3. What is Medicare Advantage?
Answer: Part C, an "all in one" plan from a private insurer that combines Parts A and B, and usually Part D. [2]

4. How long is the Initial Enrollment Period around a 65th birthday?
Answer: Seven months: 3 months before the birthday month, the birthday month, and 3 months after. [2]

5. A person under 65 receives SSDI. When can they get Medicare, according to the SHINE guide?
Answer: After receiving 24 months of Social Security Disability Insurance benefit payments. [2]

6. What is the 2026 Part B annual deductible listed in the Massachusetts SHINE guide?
Answer: $283. [2]

7. How does the Social Security Administration define disability?
Answer: You cannot work at the substantial gainful activity level because of your condition, cannot do your past work or adjust to other work, and the condition has lasted or is expected to last at least one year or result in death. [4]

8. Is there a waiting period for Social Security disability benefits?
Answer: Generally, a five-month waiting period. Benefits start in the sixth full month after the disability is found to have begun. [4]

9. How many work credits does Social Security generally require for disability benefits?
Answer: 40 credits, 20 of which were earned in the last 10 years before the disability begins. Younger workers may qualify with fewer. [4]

10. Under Massachusetts law, when is the yearly Medicare supplement open enrollment period?
Answer: February first through March thirty-first. (M.G.L. c. 176K, s. 3(d)) [5]

Medicare supplement eligibility in Massachusetts law

For Massachusetts Medicare supplement rules, an "eligible person" lives in Massachusetts at least six consecutive months of each calendar year, is eligible for or enrolled in Medicare for both hospital and physician services due to age or disability, and is not eligible for employer-sponsored coverage. People eligible for Medicare only because of end-stage renal disease are excluded. (M.G.L. c. 176K, s. 1) [6] The SHINE guide adds that Medigap plans do not include prescription drug coverage. [2]

MassHealth

The SHINE guide lists programs offered through Social Security, MassHealth and Prescription Advantage that can help with premiums, copays, deductibles and prescription drug costs. [2]

Study tips

Practice more with the free Massachusetts Accident and Health practice test.

Prep Retention is independent and is not affiliated with Pearson VUE or the state.

Sources

  1. Pearson VUE, Massachusetts content outlines 122301 (effective July 22, 2026): https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/122301.pdf
  2. Massachusetts SHINE Program, 2026 Medicare Beginner's Guide for Massachusetts Consumers: https://www.mass.gov/doc/2026-massachusetts-consumer-guide-to-medicare/download
  3. Medicare.gov, Get started with Medicare: https://www.medicare.gov/basics/get-started-with-medicare
  4. Social Security Administration, Disability benefits: How you qualify: https://www.ssa.gov/benefits/disability/qualify.html
  5. M.G.L. c. 176K, s. 3: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176K/Section3
  6. M.G.L. c. 176K, s. 1: https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXXII/Chapter176K/Section1

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