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Ch. 9: Health & Disability Insurance Chapter Exam

Exam Instructions:

Choose your answers to the questions and click 'Next' to see the next set of questions. You can skip questions if you would like and come back to them later with the yellow "Go To First Skipped Question" button. When you have completed the practice exam, a green submit button will appear. Click it to see your results. Good luck!

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Question 1 1. Raymond pays for the first $2,600 of covered services himself (out-of-pocket) under his health insurance plan. This $2,600 is a known as a _____.

Question 2 2. Managed care plans include:

Question 3 3. Which of the following is NOT a qualifying event for purposes of COBRA benefits?

Question 4 4. Which of the following statements is NOT correct?

Question 5 5. Dan is age 62 and works part time at a grocery store making minimum wage. He has no disabilities. Which program BEST fits Dan's health insurance needs?

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Question 6 6. Which type of managed care plan needs your PCP's approval to go see another specialist?

Question 7 7. Which of the following statements is NOT correct?

Question 8 8. Which of the following is NOT covered under Medicare Part B?

Question 9 9. Jalisa is 37 years old and has end-stage kidney failure. Which program BEST fits her health insurance needs?

Question 10 10. Which of the following is NOT a disadvantage of a fee-for-service health insurance plan?

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Question 11 11. How does Medicaid differ from Medicare?

Question 12 12. Sharon's expecting her first child and meets with her employer's human resources department to discuss maternity leave. The representative explains that Sharon's eligible to utilize paid time off, after which the employer-sponsored disability policy will pay benefits. What type of disability policy is the representative referencing?

Question 13 13. How are the terms toileting and continence related?

Question 14 14. Which of the following definitions of health insurance and out-of-pocket costs is FALSE?

Question 15 15. Oscar, age 72, receives inpatient care at a skilled nursing facility. Which part of Medicare covers his care?

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Question 16 16. Choose which statement is true about long-term disability policies?

Question 17 17. What do COBRA benefits cost the employee?

Question 18 18. Identify which of the following benefited MOST from COBRA:

Question 19 19. Becky is having foot surgery and lives in a townhouse with four flights of steps. She would like to stay in a long-term care facility for the first couple of weeks following her surgery so as not to be a bother to her family. However, when she inquires about her plans to her health insurance company she is told that the long-term care facility will not be covered for her in this type of situation. This is known as a policy _____.

Question 20 20. Which type of managed care plan lets you choose the doctor you want to go see without another doctor's referral?

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Question 21 21. Billy received a claim against his health insurance in the mail in the amount of $4,910. This is the first claim against his health insurance for the current calendar year. His deductible is $3,000, his coinsurance is 20%, and his premium is $200. What will Billy end up paying on this claim?

Question 22 22. Melvin is a healthy 28-year-old who rarely gets sick enough to visit a doctor. He is considering a consumer-driven health plan in order to save money on premiums. What is another advantage of a CDHP?

Question 23 23. Which of the following is NOT a requirement for an employee to receive COBRA benefits?

Question 24 24. Which type of managed care plan is a combination of a PPO and HMO?

Question 25 25. A financial agreement for the payment of health-related costs that is made between an individual or a group of individuals and an insurance company is known as _____.

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Question 26 26. People with a HDHP may be eligible to save their money, pre-tax, into a:

Question 27 27. Which of the following options is true about Social Security disability?

Question 28 28. Identify which of the following is an example of a profile where COBRA may be extended to up to 36 months:

Question 29 29. Tony is selecting a disability insurance policy. He has the option of having his benefits start 30 days, 60 days, or 120 days after the onset of a disability. Why would Tony choose 120 days?

Question 30 30. Susie selects a health insurance plan through her employer where she makes a $200 payment in full each month for her health care benefits to remain completely active. This payment is known as:

Ch. 9: Health & Disability Insurance Chapter Exam Instructions

Choose your answers to the questions and click 'Next' to see the next set of questions. You can skip questions if you would like and come back to them later with the yellow "Go To First Skipped Question" button. When you have completed the practice exam, a green submit button will appear. Click it to see your results. Good luck!

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