Free Medical Plans Practice Questions
Vermont Life, Accident & Health exam (series 14-29) — 56 practice questions.
Subtopics: Gatekeeper, Basic hospital expense, Benefit maximum, In-network advantage, Premium notices, Grace period, Commissions, Community rating, Small employers, Guaranteed issue, Short-term coverage, Dependent coverage, Newborn coverage, Adopted children, External review, HMOs, Health advertising, Health penalties, Guaranty association, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, 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. In a managed care plan, a primary care physician who must authorize referrals to specialists acts as a:
Gatekeeper
The primary care physician serves as a gatekeeper, coordinating care and authorizing specialist referrals in many managed care plans.
2. A basic hospital expense policy typically covers:
Room and board and miscellaneous hospital charges up to stated limits
Basic hospital expense coverage pays for daily room and board and miscellaneous hospital charges up to specified limits, usually with no deductible.
3. A benefit maximum in older major medical plans set:
The most the plan would pay for an insured's covered expenses
A benefit maximum was the cap on the total amount an older major medical plan would pay for an insured's covered expenses.
4. An insured who uses an in-network provider under a PPO generally pays:
Less out of pocket than for an out-of-network provider
In-network providers have negotiated rates, so the insured's cost sharing is typically lower than for out-of-network care.
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.
