225-250
Health Insurance Knowledge Quiz
Test your knowledge on crucial health insurance concepts with our comprehensive quiz! This quiz covers a range of topics, from Social Security to Medicare and various health policies.
- 26 thought-provoking questions
- Enhance your understanding of health insurance
- Perfect for students, professionals, and anyone interested in health coverage
Which health insurance contract provision addresses the problem of overinsurance
Coordination benefits
HIPAA
PPO
Relevant factors in the health insurance principle of morbidity include all of the following EXCEPT
Health
Age
Intellegence
To reach currently insured status under the Social Security system, an individual must be credited with a MINIMUM of
7 quarter of coverage during the last 13-quarter period
6 quarter of coverage during the last 13-quarter period
5 quarter of coverage during the last 13-quarter period
In health insurance, the result of rising mobility rates is
Decreased premium
Increased premium
Leveled premium
Same premium
Which health plan might apply 90% coinsurance to network providers and 70% coinsurance to non-network providers?
Preferred Provider Organization(PPO)
HIPAA
Medicare
The Family and Medical Leave Act(FMLA) covers all of the following EXCEPT
Provide employees with job-protected and unpaid leave
Traveling with a spouse who has been transferred overseas
A surviving spouse without dependent children is eligible for Social Security survivor benefits at age
59
72
60
What happens if an insurer violates the Medical Loss Ratio rate and spends too much money on administrative costs?
Insurers that do not meet the Medical Less Ratio standard will be required to provide rebates to their customers and reduce spending do their administrative cost
They will be required to increase provide a month of free payments
Vision insurance usually limits coverage in all of the following EXCEPT
A specific dollar amount for examinations
G
When an agent writes a replacing long-term care policy, the agent's first year sales commission will be determined based on the
The sum of the new and original commission
Difference between the new and original policy annual premium
The original replaced with the new
Why is an injury caused by accident at an employee's workplace excluded from individual health insurance coverage?
It is covered by the state Worker's Compensation program
Its covered by the federal government
All of the following conditions must be met to qualify for residual disability income policy EXCEPT
Senses and speech issues, such as vision and hearing loss.
Qualifies for Social Security disability benefits
Respiratory illnesses, such as COPD or asthma.
All of the following features of Preferred Provider Organization(PPO) EXCEPT
Primary care physician acts as gatekeepers
Exibility to visit or choose doctors and hospitals outside the network
Visits outside the network are not fully covered as visits within the network;
In the Worker's Compensation policy, Part One, Workers' Compensation, pays for
Sums the insured is required to pay under state Worker's Compensation law
Pays for the sums the employer is required to pay
Pays for the sums beneficiary is supposed to pay
Under Social Security, the definition of disability is the inability to engage in
Any activity that provides food for insured
Any substantial gainful activity
Any activity that helps insured with physical activity
At what age are individuals eligible for Medicare Part A benefits?
72
59
65
The Employee Retirement Income Security Act of 1974(ERISA) regulates group health insurance in the area of
Disclosure and submiting
Disclosure and reporting
Reporting and organizing
Which plan covers the medical expenses that are NOT covered by Medicare?
Medicare supplement
HIPPA
Medicare A
Medicare B
Which of the following conditions would NOT be included among the chronic illness triggers of a long term care policy?
Deafness
Athritis
Asthma
Insurers are prohibited from denying claims based on misrepresentations in a disability policy application after the policy has been in force for
Three years
Six months
One year
Two years
Which funded government program is jointly administered by the federal and state governments?
Medi-cal
Medicare
Medicare A
What rights do individuals have if they disagree with a decision on the amount Medicare will pay?
They can ask the Medicare carrier to review the decision.
They can ask the Medi-cal carrier to review the decision.
They can ask the PPO carrier to review the decision.
Which long-term care policy provision allows for a periodic increase in policy benefits?
Cash Value
Inflation protection
Life insurance
All of the following statements about Medicare Part B are correct EXCEPT it
Colonoscopies
Flu shots
Mammograms
Ays for virtually all drugs prescribed by a physician.
Under PPACA, what is a health benefit exchange?
HIPPA can insure older citizens
PPACA creates new entities called American Health Benefit Exchanges through which individuals, small businesses, and those who do not have access to affordable employer coverage, can purchase coverage.
Insurance is able to cover disability such as deafness
The initial enrollment period for Medicare Part B ends how many months after the 65th birthday month?.
Two months
6 months.
Three month
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