Free Medical Plans Practice Questions
Michigan Life, Accident & Health exam (series 16-80) — 51 practice questions.
Subtopics: HMO, PPO, Deductible, Coinsurance, HSA, Coordination of benefits, Dependent coverage, Newborn coverage, Child support orders, Telemedicine, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, Basic hospital expense, Major medical, 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. An HMO generally requires members to:
Use network providers and a PCP
HMOs typically require network providers and referrals coordinated by a primary care physician.
2. A PPO allows out-of-network care:
At a higher cost share
PPOs permit out-of-network care, usually at a higher cost to the insured.
3. The amount paid before health benefits begin is the:
Deductible
A deductible is the amount the insured pays before the plan begins paying benefits.
4. Under 80/20 coinsurance, after the deductible the insured pays:
20%
With 80/20 coinsurance the insured pays 20% and the insurer pays 80% of covered charges.
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.
