Free Medical Plans Practice Questions
Louisiana Life, Accident & Health exam — 49 practice questions.
Subtopics: Major medical, Point of service, Usual customary reasonable, Preventive care, Network provider, Specialist referral, Hospital indemnity, Coordination of benefits, Prompt payment, Mandated benefits, HMO definition, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, Basic hospital expense, ACA metal tiers, Essential health benefits, Lifetime limits, 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 insurance is distinguished from basic medical expense coverage primarily by its:
High limits with deductibles and coinsurance
Major medical offers high limits and broad coverage, using deductibles and coinsurance to share costs.
2. A point-of-service (POS) health plan is best described as:
An HMO-PPO hybrid with point-of-care choice
A POS plan blends HMO and PPO features, allowing members to decide in-network or out-of-network at the point of care.
3. When a plan limits reimbursement to the usual, customary, and reasonable (UCR) amount, it pays:
Up to the prevailing area charge
UCR limits payment to the prevailing charge for similar services in the same geographic area.
4. Many modern medical plans encourage which type of care to help reduce later costs?
Screenings and immunizations
Plans encourage preventive care like screenings and immunizations to catch problems early and lower costs.
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.
