Free Medical Plans Practice Questions
Virginia Accident & Health exam (series 11-06) — 105 practice questions.
Subtopics: Major medical, Deductible, Coinsurance, HMO, PPO, HMO copayments, Preexisting condition, Out-of-pocket maximum, Network, Newborn coverage, Newborn notice, Newborn mandated benefits, Adopted children, Handicapped dependents, Dependent age 26, Medical child support, Lifetime and annual limits, Premium rating factors, Age rating, Short-term medical, Replacement with excepted benefits, Health services plans, Freedom of choice, HMO basic services, HMO out-of-pocket notice, HMO primary care, FAMIS, Genetic information, Fee-for-service, Stop-loss, POS, Gatekeeper, Preauthorization, Utilization review, Preventive care, Copayment, Coordination of benefits, Comprehensive major medical, HIPAA portability, HIPAA privacy, Dependent to age 26, Exclusive Provider Organization, High-deductible health plan, Capitation, Closed-panel HMO, Open-panel HMO, Concurrent review, Second surgical opinion, Case management, Out-of-network cost sharing, Essential health benefits, Metal tier levels, Guaranteed issue, Medical loss ratio, Annual and lifetime limit prohibition, Health insurance marketplace, Premium tax credit, Prescription drug formulary, Major medical cost-sharing, Plan concepts, Consumer-driven plans, HDHP and HSA, Cost containment, Grievances and appeals, ACA, Emergency services, Mental health parity, Children's coverage, Prescription drugs
Read the Medical Plans study guide
Sample questions & answers
1. A major medical plan typically includes:
Deductibles, coinsurance, and a stop-loss limit
Major medical plans use deductibles, coinsurance, a stop-loss (out-of-pocket) feature, and maximum benefit provisions.
2. A health plan deductible is the amount the insured:
Pays before the plan begins paying
The deductible is the amount the insured pays for covered expenses before the plan begins to pay.
3. Coinsurance in a health plan means:
The insured and insurer share covered costs by percentage
Coinsurance is the percentage sharing of covered costs after the deductible, such as 80/20.
4. Under Virginia law, what is a health maintenance organization (HMO)?
A person that undertakes to provide or arrange health care plans
Virginia defines an HMO as any person who undertakes to provide or arrange for one or more health care plans; HMOs combine delivery and financing and emphasize primary care.
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.
