Freedom & Optimum Medicare Advantage and Part D Certification Practice Test 2026 – The All-in-One Guide to Passing Your Carrier Exam!

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True or False: Beneficiaries can opt out of their Part B premium if they are paying for a Medicare Supplement plan.

True

False

The correct assertion is that beneficiaries cannot opt out of their Part B premium even if they are paying for a Medicare Supplement plan. The Part B premium is a mandatory payment that beneficiaries must continue to make to maintain their Medicare coverage, regardless of whether they have supplemental insurance.

Medicare Supplement plans, also known as Medigap plans, are designed to help cover some of the out-of-pocket costs that Medicare does not cover. However, they do not negate the requirement to pay the Part B premium. All beneficiaries must stay current on their Part B premiums to preserve their Medicare eligibility, and this obligation persists regardless of other insurance programs they may have in place.

Therefore, the assertion that beneficiaries can opt out of paying their Part B premium is false.

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Only if they have a low income

True, during Special Enrollment

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