Question 1

Marcia Fuller has an insurance policy that lists that she and her three daughters, ages 6, 10, and 12, are covered under this policy. Which provision in her insurance policy is defined by this list?

Accepted Answer

A)   Eligibility
B)   Assigned benefits
C)   Benefit limits
D)   Guaranteed renewable
E)   Exclusions and limitationsF) A) and B)
G) C) and D)

Question 2

Which of the following is (are)  an innovative way(s)  concerned groups are containing health care costs?

Accepted Answer

A)   Incentives to encourage preventive care
B)   Encouragement of prepaid group practices
C)   Establishment of community education programs
D)   Encouragement by doctors to pay cash for routine medical costs
E)   All of theseF) A) and E)
G) All of the above

Question 3

Which type of health insurance pays for physician's care that does not involve surgery?

Accepted Answer

A)   Surgical expense
B)   Hospital expense
C)   Physician's expense
D)   Long-term care
E)   Medicare Part BF) A) and E)
G) C) and D)

Question 4

Which one of the following is not a provider of health insurance?

Accepted Answer

A)   Fraternal organizations
B)   Trade unions
C)   Government programs such as Medicare
D)   Health Insurance Industry Association
E)   Blue Cross and Blue ShieldF) B) and C)
G) A) and D)

Question 5

Blue Shield plans provide hospital care benefits on essentially a "service type" basis.

Accepted Answer

A) True 
 B)False

Question 6

Physician expense insurance coverage excludes visits to the doctor's office, x-rays, and lab tests.

Accepted Answer

A) True 
 B)False

Question 7

More people have hospital insurance than any other kind of health insurance.

Accepted Answer

A) True 
 B)False

Question 8

The number of Americans without basic health insurance has been decreasing since the 1980s.

Accepted Answer

A) True 
 B)False

Question 9

Just about every worker is adequately covered by disability income insurance.

Accepted Answer

A) True 
 B)False

Question 10

Medicare medical insurance helps pay for:

Accepted Answer

A)   inpatient hospital care.
B)   doctors' services.
C)   home health care.
D)   hospice care.
E)   None of these servicesF) A) and E)
G) None of the above

Question 11

The hospital insurance portion of Medicare helps pay for:

Accepted Answer

A)   inpatient hospital care.
B)   inpatient care in a skilled nursing facility.
C)   home health care.
D)   hospice care.
E)   All of these types of careF) A) and C)
G) A) and B)

Question 12

Which type of health insurance is simply a bad buy?

Accepted Answer

A)   Individual health
B)   Group health
C)   Dread disease
D)   Dental
E)   VisionF) B) and E)
G) C) and D)

Question 13

Affordable health care has become one of the most important issues of our time.

Accepted Answer

A) True 
 B)False

Question 14

Sophie Bennett has personally paid a total of $5,000 in medical costs this year. At this point, there is a clause in her insurance contract that requires her insurance company to pay 100% of her medical costs for the remainder of the year. What clause is this likely to be?

Accepted Answer

A)   Coordination of benefits
B)   Hospital indemnity clause
C)   Coinsurance
D)   Stop-loss provision
E)   Major medical expense provisionF) A) and B)
G) D) and E)

Question 15

Which one of the following is a source of government health insurance?

Accepted Answer

A)   Blue Cross
B)   Blue Shield
C)   National Institutes of Health
D)   HMO
E)   MedicaidF) B) and E)
G) A) and C)

Question 16

A good health insurance plan should:

Accepted Answer

A)   provide at least one year's hospital room and board in full.
B)   provide at least a $2 million lifetime maximum for each family member.
C)   pay 100 percent for out-of-hospital expenses.
D)   offer basic coverage for hospital and doctor bills.
E)   limit your out-of-pocket expenses to no more than $1,000 per year.F) C) and D)
G) A) and B)

Question 17

Good disability plans pay when you are:

Accepted Answer

A)   unable to work at your regular job.
B)   unable to work at any job.
C)   unable to work at a related job.
D)   ill even for a short period.
E)   fired from your regular job.F) A) and C)
G) C) and E)

Question 18

Jamal Walker developed a serious infection and spent 6 months in his hospital's intensive care unit. What part of his insurance policy would be the most useful for helping to pay for this?

Accepted Answer

A)   Hospital expense
B)   Surgical expense
C)   Physician expense
D)   Major medical
E)   Medicare Part BF) C) and E)
G) B) and E)

Question 19

Which one of the following provisions requires that the policyholder pay a basic amount before the policy benefits begin?

Accepted Answer

A)   Coinsurance
B)   Stop loss
C)   Deductible
D)   Self-insurance
E)   IncontestableF) C) and D)
G) B) and E)

Exam 11: Health, Disability, and Long-Term Care Insurance

A good health insurance plan should:

Correct Answer
verified

Sophie Bennett has personally paid a total of $5,000 in medical costs this year. At this point, there is a clause in her insurance contract that requires her insurance company to pay 100% of her medical costs for the remainder of the year. What clause is this likely to be?

Correct Answer
verified

The number of Americans without basic health insurance has been decreasing since the 1980s.

Correct Answer
verified

The hospital insurance portion of Medicare helps pay for:

Correct Answer
verified

Jamal Walker developed a serious infection and spent 6 months in his hospital's intensive care unit. What part of his insurance policy would be the most useful for helping to pay for this?

Correct Answer
verified

Physician expense insurance coverage excludes visits to the doctor's office, x-rays, and lab tests.

Correct Answer
verified

Marcia Fuller has an insurance policy that lists that she and her three daughters, ages 6, 10, and 12, are covered under this policy. Which provision in her insurance policy is defined by this list?

Correct Answer
verified

Which one of the following is a source of government health insurance?

Correct Answer
verified

Just about every worker is adequately covered by disability income insurance.

Correct Answer
verified

Blue Shield plans provide hospital care benefits on essentially a "service type" basis.

Correct Answer
verified

Which one of the following is not a provider of health insurance?

Correct Answer
verified

Medicare medical insurance helps pay for:

Correct Answer
verified

Good disability plans pay when you are:

Correct Answer
verified

Which type of health insurance pays for physician's care that does not involve surgery?

Correct Answer
verified

Affordable health care has become one of the most important issues of our time.

Correct Answer
verified

Which one of the following provisions requires that the policyholder pay a basic amount before the policy benefits begin?

Correct Answer
verified

Which of the following is (are) an innovative way(s) concerned groups are containing health care costs?

Correct Answer
verified

More people have hospital insurance than any other kind of health insurance.

Correct Answer
verified

Which type of health insurance is simply a bad buy?

Correct Answer
verified

Exam 11: Health, Disability, and Long-Term Care Insurance

A good health insurance plan should:

Correct AnswerverifiedShow Answer

Sophie Bennett has personally paid a total of $5,000 in medical costs this year. At this point, there is a clause in her insurance contract that requires her insurance company to pay 100% of her medical costs for the remainder of the year. What clause is this likely to be?

Correct AnswerverifiedShow Answer

The number of Americans without basic health insurance has been decreasing since the 1980s.

Correct AnswerverifiedShow Answer

The hospital insurance portion of Medicare helps pay for:

Correct AnswerverifiedShow Answer

Jamal Walker developed a serious infection and spent 6 months in his hospital's intensive care unit. What part of his insurance policy would be the most useful for helping to pay for this?

Correct AnswerverifiedShow Answer

Physician expense insurance coverage excludes visits to the doctor's office, x-rays, and lab tests.

Correct AnswerverifiedShow Answer

Marcia Fuller has an insurance policy that lists that she and her three daughters, ages 6, 10, and 12, are covered under this policy. Which provision in her insurance policy is defined by this list?

Correct AnswerverifiedShow Answer

Which one of the following is a source of government health insurance?

Correct AnswerverifiedShow Answer

Just about every worker is adequately covered by disability income insurance.

Correct AnswerverifiedShow Answer

Blue Shield plans provide hospital care benefits on essentially a "service type" basis.

Correct AnswerverifiedShow Answer

Which one of the following is not a provider of health insurance?

Correct AnswerverifiedShow Answer

Medicare medical insurance helps pay for:

Correct AnswerverifiedShow Answer

Good disability plans pay when you are:

Correct AnswerverifiedShow Answer

Which type of health insurance pays for physician's care that does not involve surgery?

Correct AnswerverifiedShow Answer

Affordable health care has become one of the most important issues of our time.

Correct AnswerverifiedShow Answer

Which one of the following provisions requires that the policyholder pay a basic amount before the policy benefits begin?

Correct AnswerverifiedShow Answer

Which of the following is (are) an innovative way(s) concerned groups are containing health care costs?

Correct AnswerverifiedShow Answer

More people have hospital insurance than any other kind of health insurance.

Correct AnswerverifiedShow Answer

Which type of health insurance is simply a bad buy?

Correct AnswerverifiedShow Answer

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