Free Medical Plans Practice Questions
Wyoming Life, Accident & Health exam — 56 practice questions.
Subtopics: Indemnity plan, Network savings, Precertification, Diabetes coverage, Discretionary clauses, Child health insurance program, Wyoming Health Insurance Pool, HMOs, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, 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. A traditional indemnity (fee-for-service) health plan generally allows the insured to:
Choose any provider, with the plan paying a share of covered charges
An indemnity plan lets the insured choose providers freely while the plan reimburses a share of covered charges.
2. A key advantage to the insured of using an in-network PPO provider is:
Lower out-of-pocket cost due to negotiated rates
A PPO contracts with a network of providers; members pay less when they use in-network providers and can go out of network at higher cost.
3. Requiring approval before a non-emergency hospital admission is an example of:
Precertification under utilization review
Precertification is a utilization review tool requiring approval before certain non-emergency services to control costs.
4. Wyoming requires health policies to cover diabetes equipment, supplies, and outpatient self-management training. Additional training after a significant change in condition is limited to:
Three hours per year
Required training includes a one-time evaluation within a year of diagnosis plus additional training upon significant change, limited to three hours per year.
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.
