PSI Ohio Insurance Practice Exam

Which of the following cannot be used to qualify for Medicare Parts A and B?

1. Age

2. Disability status

3. Financial need

4. End-stage renal disease

The correct answer is: Financial need

To qualify for Medicare Parts A and B, individuals generally fall into specific categories including age, disability status, and specific health conditions such as end-stage renal disease. Age is a primary factor, as individuals become eligible for Medicare when they reach 65 years old. Additionally, individuals under 65 may qualify based on disability status if they have received Social Security Disability Insurance (SSDI) for at least 24 months. Those with end-stage renal disease also qualify, regardless of age, allowing them access to Medicare benefits. Financial need, however, is not a qualifying criterion for Medicare Parts A and B. While low-income individuals may be eligible for additional assistance programs, such as Medicaid, the basic eligibility for Medicare itself does not take financial status into account. This distinction is crucial in understanding the fundamental eligibility requirements for the program.