Classes of Health Policies (A/H)

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Question 1 of 15

1. Question

Comprehensive policies typically provide coverage for which of the following?

Dental care

Surgery

Hearing care

Additional living expenses while in the hospital

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Question 2 of 15

2. Question

Wanda gets health insurance through a trade union that she belongs to. She is covered by which type of policy?

Government health insurance

Association group health insurance

Employer group health insurance

Individual health insurance

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Question 3 of 15

3. Question

What effect does a stop-loss have in a self-funded group plan?

After a specified amount of claims paid is reached, the insured must pay for all remaining health care costs for the rest of the year.

The insured pays all health care costs until a specified amount of claims paid is reached, after which costs are split between the employer and the insured, subject to coinsurance.

After a specified amount of claims paid is reached, the employer pays all of an insured's remaining health care costs for the rest of the year.

After a specified amount of claims paid is reached, a stop-loss policy will kick in and pay some or all of the claims above the specified amount.

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Question 4 of 15

4. Question

Which health insurance policies provide the most complete coverage?

Limited policies

Comprehensive policies

Critical illness policies

Accident policies

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Question 5 of 15

5. Question

Which of the following best describes Medicaid?

Government health insurance for people over 65 and people with certain disabilities

Government insurance for people with limited resources

Government health insurance that provides an income for workers that become disabled

Government health insurance for members of the military and their families

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Question 6 of 15

6. Question

Which of the following best describes Medicare?

Government health insurance for people over 65 and people with certain disabilities

Government health insurance for people with limited resources

Government health insurance that provides an income for workers that become disabled

Government health insurance for members of the military and their families

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Question 7 of 15

7. Question

Which of the following best describes Social Security Disability Income?

Government health insurance for people over 65 and people with certain disabilities

Government insurance for people with limited resources

Government health insurance that provides an income for workers that become disabled

Government health insurance for members of the military and their families

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Question 8 of 15

8. Question

Which of the following best describes TRICARE?

Government health insurance for people over 65 and people with certain disabilities

Government insurance for people with limited resources

Government health insurance that provides an income for workers that become disabled

Government health insurance for members of the military and their families

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Question 9 of 15

9. Question

Which of the following is an example of an individual health insurance policy?

Loretta finds a health insurance policy at healthcare.gov to cover herself, her husband, and her three children.

Big Box Store Chain Inc. has a workers' compensation policy to pay for its employees' on-the-job injuries.

Groovetown Vinyls & More provides health insurance as an employee benefit.

Fred signs up for his labor union's health plan.

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Question 10 of 15

10. Question

Which of the following is an example of association group health insurance?

Big Box Store Chain Inc. has a workers' compensation policy to pay for its employees' on-the-job injuries.

Groovetown Vinyls & More provides health insurance as an employee benefit.

Loretta finds a health insurance policy at healthcare.gov to cover herself, her husband, and her three children.

Fred signs up for his labor union's health plan.

Correct

Incorrect
Question 11 of 15

11. Question

Which of the following is NOT an example of government insurance?

Medicare

Medicaid

Social Security Disability Income

Insurance underwritten by a mutual insurer

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Question 12 of 15

12. Question

Which of the following statements is FALSE?

An individual health insurance policy is purchased by a person that can cover himself/herself and family members.

An individual health insurance policy can cover only one person–and never more than one person.

Group health insurance can cover many people with a single policy.

In order to qualify for coverage under a particular group policy, a person must belong to the group.

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Question 13 of 15

13. Question

Which of these is NOT an example of a limited policy?

Comprehensive health insurance policy

Vision policy

Dental policy

Hospital indemnity policy

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Question 14 of 15

14. Question

Who pays for losses in a fully insured employer group health insurance plan?

The government

The employer

The insurer

The employee

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Question 15 of 15

15. Question

Who pays for losses in a self-funded employer group health insurance plan?

The employer

The employee

The insurer

The association

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