Free Medical Plans Practice Questions
Indiana Life, Accident & Health exam — 70 practice questions.
Subtopics: Basic vs major medical, Stop-loss feature, Point of service, Gatekeeper, Usual customary and reasonable, Network discounts, Flexible spending account, Preauthorization, Mammography coverage, Newborn coverage, Adopted children, Dependent age limit, Disabled dependents, CHIP, ACA metal levels, ACA catastrophic plans, Essential health benefits, Preventive services, Marketplace agent registration, Prompt payment, Grievances, External review, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Capitation, Precertification, Basic hospital expense, Major medical, ACA metal tiers, 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. Major medical coverage differs from basic medical coverage primarily by offering what?
Higher limits and broader coverage with deductibles and coinsurance
Major medical provides broad, high-limit coverage with cost sharing, unlike limited basic plans with first-dollar but low limits.
2. The stop-loss feature of a major medical plan benefits the insured by doing what?
Limiting the insured's total out-of-pocket cost in a period
The stop-loss feature caps the insured's cumulative cost sharing, after which the plan pays covered expenses in full.
3. A point-of-service (POS) plan is best described as a blend of which two models?
HMO and PPO features
A POS plan combines HMO features, like a primary care gatekeeper, with PPO-style out-of-network options.
4. In a managed care plan, the primary care physician who coordinates and authorizes care is often called the what?
Gatekeeper
The primary care physician acting as a gatekeeper coordinates care and provides referrals to specialists in many managed care plans.
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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.
