Free Medical Plans Practice Questions
Illinois Life, Accident & Health exam — 53 practice questions.
Subtopics: Out-of-pocket maximum, Point-of-service plan, Basic hospital coverage, Major medical, Precertification, HMO evidence of coverage, HMO complaints, HMO medical necessity, HMO ambulance, HMO adopted children, HMO and Medicaid, Dependent coverage, Mammography mandate, External review, Form filing, Types, Cost sharing, Cost containment, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Basic hospital expense, ACA metal tiers, Essential health benefits, Lifetime limits, Preventive care, Special enrollment, HDHP and HSA, Managed care, Usual, reasonable and customary, Basic surgical, Short-term medical, Vision insurance
Read the Medical Plans study guide
Sample questions & answers
1. The out-of-pocket maximum in a health plan is:
The yearly cap on the insured's cost sharing
The out-of-pocket maximum caps the insured's annual cost-sharing after which the plan pays 100 percent.
2. A point-of-service plan combines features of:
HMO and PPO designs
A POS plan blends HMO gatekeeping with PPO-style out-of-network options.
3. Basic hospital and surgical expense coverage typically provides:
First-dollar benefits up to stated limits
Basic hospital and surgical plans pay first-dollar benefits up to set limits without a large deductible.
4. Which feature best describes a major medical expense policy?
Large benefit limits with deductibles and coinsurance
Major medical features high benefit limits with deductibles and coinsurance for broad coverage.
All Life, Accident & Health topics
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.
