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- 1. Multiple Choice
______________ insurance provides financial protection against overwhelming medical expenses
Health
Car
Comprehensive
Medical
- 2. Multiple Choice
__________ ___________ __________ is a group of selected health care providers who offer comprehensive services at preset reimbursement levels
health maintenance organization
co-payment
preferred provider organization
co-insurance
- 3. Multiple Choice
_____________ ___________ __________ is a prepaid health plan in which care providers contract with (or are) employees of the org. to provide you with services
preferred provider organization
health maintenance organization
life insurance
non-life insurance
- 4. Multiple Choice
A(n) _________ is the amount of money you must pay each year before your insurance company starts paying
life
beneficiary
deductible
health
- 5. Multiple Choice
_______________ requires you to pay either a set amount or a certain percent of medical expenses
co-insurance
co-payment
life term
term life
- 6. Multiple Choice
A(n) ____________ is a predetermined flat fee you pay for health care services
co-insurance
whole life
co-payment
term
- 7. Multiple Choice
Which of the following programs provides health insurance to people who are at least 65 years old, are disabled,
or have permanent kidney failure?
Medicare
Medicaid
Managed Care
U.S. Medical Care
- 8. Multiple Choice
What does the subscriber pay to an insurance company?
Co-payment
Premium
Deductible
Benefit
- 9. Multiple Choice
The insurance that covers accidents, injuries, or diseases that occur at the workplace is called
Military Health Care.
Health Maintenance.
Workers' Compensation.
Medicare.
- 10. Multiple Choice
Federal law requires employers to purchase and maintain workers' compensation insurance for their employees.
True
False
- 11. Multiple ChoiceYou have reached your deductible of $2000, but you have not reached your maximum out-of-pocket limit of $4000 and your co-insurance begins. Your co-insurance is 20%. How much do you have to pay if you go to the doctor and the visit is $150?$150$30$120$0
- 12. Multiple ChoiceYou have reached your $5000 out-of-pocket limit. You need to go to the emergency room and it cost $1700. How much will your insurance pay?$1700$0$1360
- 13. Multiple ChoiceThe amount you owe before your health insurance begins to reimburse a claim.deductiblepremiumowed amount
- 14. Multiple ChoiceCo-paymentCoordination of benefitsPortion of the cost of service to be paid by the insured (a set dollar amount)Term of conditions not covered by the insurance companyProvider bill for service
- 15. Multiple ChoiceHealth insurance policyInsurance which covers your health, teeth and eyesA law which allows you insurance even if you lose your jobA contract between you and an insurance companyA policy you purchase only for children
- 16. Multiple ChoiceProviderFederal program that provides insurance for the elderlyA health professional who provides servicesTreatment of conditions not covered by the insurance companyComprehensive health benefit program
- 17. Multiple ChoiceGroup InsuranceInsurance coverage offered to employees by the employerInsurance policy an individual must purchase on their ownInsurance offered by the governmentInsurance offered to a special group of people
- 18. Multiple ChoiceHMOHealth Maintenance OrganizationHealth Managed OrganizationHealth Maintained OperationHealth Managed Operation
- 19. Multiple ChoiceHealth InsurancePortion of the cost of service to be paid by the employerProtection against financial lost by unplanned health related eventsTreatments for conditions not covered by insurance policiesServices rendered by providers
- 20. Multiple ChoiceA 30 year woman broke her arm and went to the ER for treatment. Her health insurance plan has a $1,500 deductible. What does this meanShe can deduct $1,500 from the hospital bill, but must pay the restThe hospital will only charge her $1,500She is resoponsible for paying, $1,500 of her medical expenses before her insurance starts to payHer insurance company will only pay $1,500 and she must pay the rest
- 21. Multiple ChoicePPOPreferred Plan OperationPreferred Provider OrganizationPreferred Practice OrganizationPreferred Participation Operation
- 22. Multiple ChoiceWhat is the definition of out-of-pocket maximum?The amount of money your pockets can holdThe deductible you have to pay for insuranceMaximum money you can pay out of pocket before insurance pays the restThe amount of money you pay to your insurance company every month
- 23. Multiple ChoiceValerie had to go to the doctor 3 times with the co-payments being $25 each time she went. Her premium is $200. What was her medical bill for the month?$275$200$25$225
- 24. Multiple ChoiceCo-insurance and co-payment refer to the
same thing.TrueFalse - 25. Multiple ChoiceYour health insurance has a $2000 deductible and a $100 per day co-payment for hospital stays. You get sick and are hospitalized for 2 days. The bill comes to $4000. How much of this bill do you have to pay?$2000$4000$2200$1800
- 26. Multiple ChoiceMax has a premium of $180 for his coverage. He broke his foot and had surgery on his foot. The deductible was $1,000. What were his medical expenses for the month?$180$1,000$1,180$8,000
- 27. Multiple Choice
This type of insurance pays for eye doctor visits, contacts and glasses.
Dental
Vision
Prescription
Cancer
- 28. Multiple Choice
This type of insurance pays for people over 65 or with certain disabilities
Medicare
Medicaid
- 29. Multiple Choice
Medicaid insurance takes care of people....
Who are over 65 in nursing homes
Who are low-income
- 30. Multiple Choice
This insurance model requires you to select from a list of "approved providers" before you can see a specialist.
HMO
PPO
Point of Service Plans
COBRA
- 31. Multiple Choice
This insurance model allows you to see any provider and typically cost a little more.
HMO
PPO
- 32. Multiple Choice
Why do we have health insurance?
It is the law to have health insurance.
For the just in case health issues we have
To save us money on the healthcare we receive and prescriptions we take
Both 2 and 3
- 33. Multiple Choice
Everyone pays their premium into a big pot. It is required whether you
get sick or not
pick up a prescription or not
see any doctor or not
All of the above
- 34. Multiple Choice
Co-insurance "kicks in..."
When you go over your deductible.
When you reach your deductible amount.
When you go to the doctor and receive healthcare.
- 35. Multiple Choice
If you have a PPO insurance plan, you do not need to first go to your general doctor before seeing a specialist (no referral needed).
True
False
- 36. Multiple Choice
These are options you have to add on to your health insurance
Supplemental
Additions
Add-ons
Customs
- 37. Multiple Choice
May pay for one annual teeth cleaning...
Health Policy
Dental Benefit
Vision Works
Cardiologist Visit
- 38. Multiple ChoiceStudents can get health coverage under their parents policy until the age of23212628
- 39. Multiple Choice
Authorize dependents of military personnel to receive treatment from civilian providers at the expense of federal government.
Medicaid
Medicare
Tricare
CHAMPVA
- 40. Multiple ChoiceWhich of the following would qualify for worker's comp?Sally trips in parking lot at her job while she exercises after work.Susie falls in her office building because the wet floor wasn't marked.Sadie slips on the bleachers at the basketball game watching her daughter play.Sari breaks a nail on her keyboard at work.
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