Free Medical Plans Practice Questions
Alaska Accident & Health exam — 109 practice questions.
Subtopics: HMO, PPO, Deductible, Coinsurance, Out-of-pocket maximum, Copayment, Preexisting condition, Health savings account, Gatekeeper, Provider discrimination, Unfair discrimination, Newborn coverage, Newborn notice, Adopted children, Spousal enrollment, Nurse midwives, Acupuncture, Mammograms, Mammogram cost sharing, Colorectal screening, Prostate and cervical screening, Autism coverage, Telehealth, Health discount plans, Wellness rewards, Preauthorization, Non-network option, Primary care choice, HMO chiropractic, External review, Grievance exhaustion, ACA marketplace subsidies, Essential health benefits, Cost-sharing reductions, Preventive services, Mental health parity, Fee-for-service, Stop-loss, Major medical, POS, Utilization review, Preventive care, Coordination of benefits, Comprehensive major medical, HIPAA portability, HIPAA privacy, Dependent to age 26, Exclusive Provider Organization, High-deductible health plan, Capitation, Closed-panel HMO, Open-panel HMO, Concurrent review, Second surgical opinion, Case management, Out-of-network cost sharing, Metal tier levels, Guaranteed issue, Medical loss ratio, Annual and lifetime limit prohibition, Health insurance marketplace, Premium tax credit, Prescription drug formulary, Major medical cost-sharing, Plan concepts, Consumer-driven plans, HDHP and HSA, Cost containment, Grievances and appeals, ACA, Emergency services, Children's coverage, Prescription drugs
Read the Medical Plans study guide
Sample questions & answers
1. A health maintenance organization typically requires members to:
Receive care through network providers often coordinated by a primary care physician
An HMO generally delivers care through network providers and often coordinates it through a primary care physician.
2. Compared with an HMO a preferred provider organization generally:
Allows out-of-network care at a higher cost to the member
A PPO allows the member to use out-of-network providers but at a higher out-of-pocket cost.
3. In a major medical plan the deductible is the amount the insured must:
Pay out of pocket before the plan begins to pay
The deductible is the amount the insured pays before the plan starts paying covered charges.
4. An 80/20 coinsurance provision means that after the deductible:
The plan pays 80 percent and the insured pays 20 percent of covered charges
With 80/20 coinsurance the plan pays 80 percent and the insured pays 20 percent of covered charges.
Practice: Medical Plans
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
