Free Medical Plans Practice Questions
Virginia Life, Accident & Health exam (series 11-01) — 69 practice questions.
Subtopics: Deductible, Coinsurance, HMO primary care, PPO, Copayment, Out-of-pocket maximum, Coordination of benefits, Preexisting condition, 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, FAMIS, Genetic information, 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, Vision insurance
Read the Medical Plans study guide
Sample questions & answers
1. A deductible in a medical plan is the amount the insured:
Pays before the plan begins to pay
The deductible is the amount of covered expense the insured pays before the plan starts paying.
2. Coinsurance means the insured and insurer:
Share covered costs by a set percentage
Coinsurance divides covered costs after the deductible by percentage, such as 80/20.
3. Under Virginia's HMO rules, when may an enrollee select a primary care health care professional?
At enrollment, from the HMO's affiliated providers
An HMO enrollee may select a primary care professional from affiliated providers at enrollment and may later change to another, subject to availability.
4. A PPO differs from an HMO because it:
Pays for out-of-network care at a higher cost
A PPO covers out-of-network care at reduced benefits, while a traditional HMO generally covers only in-network care except emergencies.
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.
