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# Medicare, the United States government's health insurance

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Medicare, the United States government's health insurance [#permalink]

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08 May 2012, 09:21
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Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of
home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.

A. but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.
B. but not of other nonhospital services, making beneficiaries pay 20 percent of the costs.
C. but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs.
D. which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries.
E. which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs.
[Reveal] Spoiler: OA
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08 May 2012, 11:47
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Hi All,

Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.

Let us first understand the meaning of the sentence. Medicare is the US government’s health insurance program for the elderly and disabled. Medicare covers the full cost of home health care. However, it does not cover the cost of nonhospital services. Now, nonhospital services are services for which beneficiaries are required to pay 20% of the total cost.

Error Analysis:

1. Use of “with” violates the parallelism in the sentence. The two entities in the list should be “the full cost of home health care” and “(the full cost) of other nonhospital services”.
2. Relative pronoun “where” is used to modify places. Use of “where” to talk about a service is incorrect.

POE:

Choice A: but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries: Incorrect for the reasons stated above.

Choice B: but not of other nonhospital services, making beneficiaries pay 20 percent of the costs: Incorrect. Comma + verb-ing modifier “making” modifies the preceding clause “Medicare… covers the full cost…” and renders the meaning of the sentence illogical.

Choice C: but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs: Correct. “which” is the correct relative pronoun to modify “nonhospital services”.

Choice D: which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries: Incorrect. This choice fails to establish the fact that Medicare does not cover the nonhospital services.

Choice E: which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs: Incorrect. Same error as in Choice D.

1. Comma + verb-ing modifier always modify the preceding clause.
2. Relative pronoun “where” is use for places.
3. Be wary of choice that changes or distorts the intended logical meaning of the sentence.

Hope that helps.
Thanks.
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08 May 2012, 19:23
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Solve this question in 45 seconds straight:

-->Read the sentence as : Medicare covers the full cost of HHC,_____
Just breeze through the modifier, especially when it is in the non underlined part of the portion of an SC.

Context Medicare covers for thing 1, but it does not cover for thing 2.

Now, you know that but/which are your only two possible answer choices.
Which refers to the noun preceded by the word which. Hence, based on the context, you can eliminate D,E without analyzing too much.

A) use of the word 'where' has to point to a physical location.
B) -Ing form set off by a comma refers to the whole clause, the subject, or shows the result of the preceding clause. or to say it simply -ing form here would mean that because medicare covers the full cost of home health care it is making beneficiaries pay 20% of the cost. Doesn't make sense.
C) Which here differs from 'which' in answer choices D,E. It points to other non hospital services for which extra money is paid same as in D,E, however, the modified noun did not state what the sentence meant to say.
Hence this answer choice, unlike D,E, is contextually correct

Hope this helps
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50 hours@ $950; Customized tutoring approach Tutored clients from Morgan Stanley PM If interested Senior Manager Joined: 31 Oct 2011 Posts: 318 Followers: 3 Kudos [?]: 1002 [0], given: 18 Re: GWD #17 V21 [#permalink] ### Show Tags 08 May 2012, 09:40 I am the one who posted this question. I picked b. My reasoning was like this. Medicare covers the full cost of home health care but doesn't cover the full cost of other nonhospital services. In other words, medicare doesn't cover all of medical expenses, so beneficiaries must pay 20 percent of the costs. What's wrong with my understanding? Also, I have a question regarding what "the costs", which are at the end of the sentence in the choice C, refer to. Do they refer to the full cost of both home health care and other nonhospital services? (If they do, I guess my understanding above can be correct.) Intern Joined: 02 Aug 2011 Posts: 1 Followers: 0 Kudos [?]: 0 [0], given: 13 Re: GWD #17 V21 [#permalink] ### Show Tags 08 May 2012, 09:50 Can Anyone please give a good explanation . GMAT Club Legend Joined: 01 Oct 2013 Posts: 10311 Followers: 1000 Kudos [?]: 225 [0], given: 0 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 02 Aug 2014, 05:14 Hello from the GMAT Club VerbalBot! Thanks to another GMAT Club member, I have just discovered this valuable topic, yet it had no discussion for over a year. I am now bumping it up - doing my job. I think you may find it valuable (esp those replies with Kudos). Want to see all other topics I dig out? Follow me (click follow button on profile). You will receive a summary of all topics I bump in your profile area as well as via email. GMAT Club Legend Joined: 01 Oct 2013 Posts: 10311 Followers: 1000 Kudos [?]: 225 [0], given: 0 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 04 Sep 2015, 18:28 Hello from the GMAT Club VerbalBot! Thanks to another GMAT Club member, I have just discovered this valuable topic, yet it had no discussion for over a year. I am now bumping it up - doing my job. I think you may find it valuable (esp those replies with Kudos). Want to see all other topics I dig out? Follow me (click follow button on profile). You will receive a summary of all topics I bump in your profile area as well as via email. VP Joined: 09 Jun 2010 Posts: 1393 Followers: 5 Kudos [?]: 130 [0], given: 860 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 01 Jun 2016, 08:15 eybrj2 wrote: Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries. A. but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries. B. but not of other nonhospital services, making beneficiaries pay 20 percent of the costs. C. but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs. D. which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries. E. which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs. b is wrong because meaning is unclear, one type of meaning error. we do not know 20 percent of the costs,. cost for what? unclear _________________ visit my facebook to help me. on facebook, my name is: thang thang thang Intern Joined: 22 Apr 2015 Posts: 4 WE: Business Development (Internet and New Media) Followers: 0 Kudos [?]: 5 [0], given: 42 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 12 Nov 2016, 10:09 egmat wrote: Hi All, Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries. Let us first understand the meaning of the sentence. Medicare is the US government’s health insurance program for the elderly and disabled. Medicare covers the full cost of home health care. However, it does not cover the cost of nonhospital services. Now, nonhospital services are services for which beneficiaries are required to pay 20% of the total cost. Error Analysis: 1. Use of “with” violates the parallelism in the sentence. The two entities in the list should be “the full cost of home health care” and “(the full cost) of other nonhospital services”. 2. Relative pronoun “where” is used to modify places. Use of “where” to talk about a service is incorrect. POE: Choice A: but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries: Incorrect for the reasons stated above. Choice B: but not of other nonhospital services, making beneficiaries pay 20 percent of the costs: Incorrect. Comma + verb-ing modifier “making” modifies the preceding clause “Medicare… covers the full cost…” and renders the meaning of the sentence illogical. Choice C: but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs: Correct. “which” is the correct relative pronoun to modify “nonhospital services”. Choice D: which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries: Incorrect. This choice fails to establish the fact that Medicare does not cover the nonhospital services. Choice E: which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs: Incorrect. Same error as in Choice D. 1. Comma + verb-ing modifier always modify the preceding clause. 2. Relative pronoun “where” is use for places. 3. Be wary of choice that changes or distorts the intended logical meaning of the sentence. Hope that helps. Thanks. Shraddha Shraddha comma+verb-ing modifier can also present the result of the preceding clause. We can infer from B that "medicare covers full cost of home health care but not of other non hospital services. As a result(making) beneficiaries are paying 20% of the total cost" What is wrong in this? Please explain Regards Aamir Intern Joined: 21 Jul 2015 Posts: 48 Location: United States GMAT 1: 670 Q49 V32 GMAT 2: 620 Q48 V27 Followers: 1 Kudos [?]: 9 [0], given: 186 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 09 May 2017, 17:40 Hi Experts, I have 2 questions: 1) Comma Usage before BUT: Here the usage - Medicare covers the full cost of X, but not of Y. I always see whenever there is COMMA + BUT, then there should be independent clause after BUT. But in this case, COMMA + BUT is used to connect two prepositional phrases. Why is the rule COMMA + FANBOYS should always be followed by IC valid here? 2) ING modifier: I understand in choice B that ING is modifying the previous clause. But the last portion of the previous clause also states - "But not of other nonhospital services" and that's why I marked B thinking that it is the previous clause. Can you explain a bit on why ING is wrong here? Thanks a lot for your help! I really appreciate it. _________________ Please hit Kudos if my post is helpful to you. Director Joined: 15 Jul 2015 Posts: 758 Location: India GMAT 1: 780 Q50 V51 GRE 1: 339 Q170 V169 Followers: 39 Kudos [?]: 142 [0], given: 3 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 09 May 2017, 21:23 yt770 wrote: Hi Experts, I have 2 questions: 1) Comma Usage before BUT: Here the usage - Medicare covers the full cost of X, but not of Y. I always see whenever there is COMMA + BUT, then there should be independent clause after BUT. But in this case, COMMA + BUT is used to connect two prepositional phrases. Why is the rule COMMA + FANBOYS should always be followed by IC valid here? 2) ING modifier: I understand in choice B that ING is modifying the previous clause. But the last portion of the previous clause also states - "But not of other nonhospital services" and that's why I marked B thinking that it is the previous clause. Can you explain a bit on why ING is wrong here? Thanks a lot for your help! I really appreciate it. It's possible to join two clauses with a but without using a comma. It is also possible to use a comma with but when we're not putting a clause after the but. Have you seen this "rule" somewhere? _________________ Intern Joined: 01 Apr 2017 Posts: 31 Followers: 2 Kudos [?]: 10 [0], given: 7 Re: Medicare, the United States government's health insurance [#permalink] ### Show Tags 09 May 2017, 23:18 yt770 wrote: Hi Experts, I have 2 questions: 1) Comma Usage before BUT: Here the usage - Medicare covers the full cost of X, but not of Y. I always see whenever there is COMMA + BUT, then there should be independent clause after BUT. But in this case, COMMA + BUT is used to connect two prepositional phrases. Why is the rule COMMA + FANBOYS should always be followed by IC valid here? 2) ING modifier: I understand in choice B that ING is modifying the previous clause. But the last portion of the previous clause also states - "But not of other nonhospital services" and that's why I marked B thinking that it is the previous clause. Can you explain a bit on why ING is wrong here? Thanks a lot for your help! I really appreciate it. Hi yt770 Please find below my comments: 1. When you join two independent clauses that tend to present contrasting pieces of information, you use "comma +but". However, it does NOT mean that this is the only use of "comma + but". But is a connector/conjunction that has many uses. For instance, take a look at the following sentence: The play is good, but not that good. The above sentence is a shortened version of a sentence taken from http://dictionary.cambridge.org/dictionary/english/but. Of course it is not a GMAT like sentence, but the focus is on the use of "but" here. Essentially, the author has made a statement (The play is good) and then qualified it by using the "but" portion (but not that good). Such constructions are absolutely logical and grammatical. Nothing wrong with them. 2. As regards choice B in the Official Question, please check it from a meaning standpoint. So, let's take a look at the whole sentence this choice forms and compare it with the meaning given by the original choice: A. Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries. As you can see, it is quite clear that from this section "where 20 percent of the costs must be paid by beneficiaries" in the underlined portion, the author intends to give us more information about the other non-hospital services. The author wants to convey that for these services the beneficiaries must pay 20% of the costs. So, if the costs for these other non-hospital services to a beneficiary is$100, then the beneficiary must pay \$20 from his/her own pocket. (I have assumed that there is no ambiguity in your understanding of the meaning of the non-underlined section; however, please do let me know if you need more clarity on the same). However, does this connection come out clearly in choice B? Not at all. Why is that the case? Let's take a look at choice B now:

B. Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of
home health care, but not of other nonhospital services, making beneficiaries pay 20 percent of the costs.

Now, as you have written in your reply, you considered the "but not of other nonhospital services" a part of the previous clause. Fair enough. Let's go with that understanding and see how "making beneficiaries pay 20 percent of the costs" adds to the meaning.

Essentially, we end up with the following structure:

Some insurance program covers the full cost of one type of services in a group, but not of the other services in the group, making beneficiaries pay 20 percent of the costs.

So, if we take "making beneficiaries pay 20 percent of the costs" to modify the previous clause, we end up saying that because the program covers full cost of X, but not of Y, beneficiaries pay 20% of the costs. My question to you is, which costs are being talked about at the end? Is it clear that we are talking only about the "other non-hospital services"?

You can also think of it this way, is it because the full-cost of home-services is covered (but not of other services) that the beneficiaries pay an amount? Does the action denoted by "cover" account for part, if not full, of the reason that the beneficiaries need to pay the 20%? This does not make much logical sense, right?

It is for the above reasons that Choice B fails to give a clear, logical meaning.

Hope the above analysis helps!

Cheers!
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Re: Medicare, the United States government's health insurance [#permalink]

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10 May 2017, 00:46
eybrj2 wrote:
Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of
home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.

A. but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.
B. but not of other nonhospital services, making beneficiaries pay 20 percent of the costs.
C. but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs.
D. which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries.
E. which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs.

Pronoun which correctly refers to Non hospital services.

The meaning is clear.

Medicare does not fully cover non hospital services and beneficiaries must pay 20% of the cost.

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Medicare, the United States government's health insurance [#permalink]

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10 May 2017, 05:48
yt770 wrote:
Hi Experts, I have 2 questions:

1) Comma Usage before BUT: Here the usage - Medicare covers the full cost of X, but not of Y. I always see whenever there is COMMA + BUT, then there should be independent clause after BUT. But in this case, COMMA + BUT is used to connect two prepositional phrases. Why is the rule COMMA + FANBOYS should always be followed by IC valid here?

2) ING modifier: I understand in choice B that ING is modifying the previous clause. But the last portion of the previous clause also states - "But not of other nonhospital services" and that's why I marked B thinking that it is the previous clause. Can you explain a bit on why ING is wrong here?

Thanks a lot for your help! I really appreciate it.

1. COMMA+ BUT can also be used for Idioms: NOT X, BUT Y. Option C is such an usage (X, BUT NOT Y)

2. Although many good guides state that the comma+ present participle modifier modifies the entire previous clause, technically this modifier is a verb modifier, referring the verb (action) of the previous clause. This conceptual clarity would help sort out quite a few issues as the one you stated.
Medicare, the United States government's health insurance   [#permalink] 10 May 2017, 05:48
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