How Well Do You Know Benefits? Answers
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How Well Do You Know Benefits? Answers

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July 3, 2012

Think you did well on the quiz about benefits? Check out the answers below.

1. True or False? Dual eligibles (people who receive both Medicaid and Medicare) are automatically eligible for the Medicare Part D Low-Income Subsidy (Extra Help).

True. Dual eligibles, as well as persons with Medicare receiving Supplemental Security Income (SSI), and those determined eligible for the Medicare Savings Programs are all automatically eligible for LIS/Extra Help. Learn more

2. True or False? Medicare Part B covers the shingles vaccine for beneficiaries.

False. However, all Medicare Part D drug plans are required to cover the shingles vaccine. Part D plans have very specific rules about where you need to get the shot in order for the plan to cover both the injection (the vaccine itself) and the administration of it. Cost-sharing also varies. Clients should call their Part D plan to find out their specific coverage rules. Learn more about the shingles vaccine and find out what preventive benefits are covered under Part B.

3. True or False? A person can choose how to get their Medicare Parts A and B benefits – either through Original Medicare or through a private Medicare Advantage health plan.

True. And your clients should choose the option that works better for them. There are some differences between the two. Learn more in our publication, Compare and Contrast. They will also need to make some decisions about prescription drug coverage—check out the options.

4. True or False? A person with End Stage Renal Disease (ESRD) can get Medicare as soon as he/she has begun collecting SSDI (Social Security Disability Insurance).

False. Regardless of age, if your client has been diagnosed with End Stage Renal Disease (ESRD) and is on dialysis for 3 months, or has had a kidney transplant, he/she is automatically eligible for Medicare. There is no requirement to receive SSDI benefits, as some people with ESRD continue to work and do not take disability benefits. Learn more in our publication, Helping Your New-to-Medicare Clients Prepare for Medicare.

5. True or False? Most seniors only get $10 a month in SNAP, so it’s often not worth going through the long process of applying for the benefit.

False! The minimum monthly benefit for SNAP used to be $10, until the passage of ARRA in 2009, which lifted that minimum to $16 per month. Approximately 20% of seniors who receive SNAP do get this amount, however, it is the minimum—80% receive more. The USDA Food and Nutrition Service reports that the average benefit for a senior living alone is $119/mo. And some older adults who do get the minimum may be able to receive more, if they qualify for certain deductions, such as the medical deduction. Learn more in our SNAP 101 webinar

6. True or False? Medicare pays for the annual flu shot.

True. All Medicare beneficiaries can receive free annual flu shots. Check out our chart of other free preventive benefits and download tools from our Flu + You campaign to fight influenza.

7. True or False? Benefits from the Low Income Home Energy Assistance Program (LIHEAP) are generally available on a first come, first serve basis.

True. Because LIHEAP is a block grant, a specific amount of funding is given to states to expend each year, usually on a first come, first serve basis. This means that clients who may be eligible should apply as soon as the funding cycle opens and before the monies run out; there is no guarantee that eligible applicants will receive LIHEAP benefits. Download our LIHEAP guide for more info.

How did you do? If you'd like a refresher on some of the core benefits programs, be sure to check out our Benefits 101 training series.

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