Free Medical Plans Practice Questions
South Dakota Life, Accident & Health exam — 62 practice questions.
Subtopics: Point of service, Gatekeeper, Flexible spending account, Accidental death and dismemberment, Capitation, Dependent age, Disabled dependent, Newborn coverage, Alcoholism coverage, Diabetes coverage, Chiropractic, Maternity stay, Abuse of health insurance, Dependent enrollment, Outline of coverage, ACA metal tiers, ACA special enrollment, ACA limits, ACA preexisting conditions, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Precertification, Basic hospital expense, Major medical, 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. A point-of-service (POS) plan is best described as one that:
Mixes HMO features with out-of-network options
A POS plan combines HMO-style in-network care with the option to go out of network at a higher cost share.
2. In a gatekeeper HMO model, the primary care physician's role is to:
Coordinate care and authorize referrals to specialists
In a gatekeeper HMO, the primary care physician coordinates care and must authorize referrals to specialists.
3. A health flexible spending account (FSA) allows an employee to:
Use pre-tax pay for qualified medical costs
An FSA lets an employee set aside pre-tax dollars to pay qualified out-of-pocket medical expenses, subject to plan rules.
4. Accidental death and dismemberment (AD&D) coverage pays a specified benefit for:
Accidental death or loss of limbs or sight
AD&D pays a stated benefit for accidental death or for the loss of specified members or functions, such as a hand or sight.
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.
