Office Administrative Assistant Practice Exam

Which part of Medicare is designated for medical insurance?

1. Part A

2. Part B

3. Part C

4. Part D

The correct answer is: Part B

Part B of Medicare is specifically designated for medical insurance. This part covers a range of outpatient services, including doctor visits, preventive care, diagnostic tests, and various types of therapies. It is designed to provide beneficiaries with access to necessary medical services that do not require hospitalization. Part B is critical because it helps reduce out-of-pocket costs for essential health care services, ensuring that individuals can receive routine care and treatment for chronic conditions. Beneficiaries typically pay a monthly premium for Part B coverage, which is determined based on income levels, emphasizing the program's aim to make medical care more accessible. In contrast, Part A primarily covers hospital insurance, which includes inpatient stays, skilled nursing facilities, hospice care, and some home health care. Part C, also known as Medicare Advantage, is a combined plan that includes the benefits of Parts A and B, often along with additional coverage offered through private insurance companies. Lastly, Part D relates to prescription drug coverage, providing benefits for medication costs. Each part serves a unique purpose, but Part B distinctly focuses on outpatient medical insurance.