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Free Medical Plans Practice Questions

Alaska Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Out-of-pocket maximum, Copayment, Preexisting condition, Health savings account, Gatekeeper, Fee-for-service, Stop-loss, Major medical, POS, Preauthorization, Utilization review, Preventive care, Coordination of benefits, Comprehensive major medical, HIPAA portability, HIPAA privacy, Dependent to age 26, Exclusive Provider Organization, High-deductible health plan, Capitation, Closed-panel HMO, Open-panel HMO, Concurrent review, Second surgical opinion, Case management, Out-of-network cost sharing, Essential health benefits, Metal tier levels, Guaranteed issue, Medical loss ratio, Annual and lifetime limit prohibition, Health insurance marketplace, Premium tax credit, Prescription drug formulary, Major medical cost-sharing

Read the Medical Plans study guide

Sample questions & answers

1. A health maintenance organization typically requires members to:

Receive care through network providers often coordinated by a primary care physician

An HMO generally delivers care through network providers and often coordinates it through a primary care physician.

2. Compared with an HMO a preferred provider organization generally:

Allows out-of-network care at a higher cost to the member

A PPO allows the member to use out-of-network providers but at a higher out-of-pocket cost.

3. In a major medical plan the deductible is the amount the insured must:

Pay out of pocket before the plan begins to pay

The deductible is the amount the insured pays before the plan starts paying covered charges.

4. An 80/20 coinsurance provision means that after the deductible:

The plan pays 80 percent and the insured pays 20 percent of covered charges

With 80/20 coinsurance the plan pays 80 percent and the insured pays 20 percent of covered charges.

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Practice: Medical Plans

Take a randomized, timed-style practice test. Answer choices are shuffled and your results are scored instantly with an explanation for every question.

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.