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Free Medical Plans Practice Questions

Arkansas Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Out-of-pocket maximum, Copayment, Health savings account, Provider network, Preventive care, Fee-for-service, Stop-loss, Major medical, POS, Gatekeeper, Preauthorization, Utilization review, 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 (HMO) typically requires members to:

Select a primary care physician who coordinates care within a network

An HMO generally requires members to choose a primary care physician who coordinates care within the HMO network.

2. A preferred provider organization (PPO) differs from an HMO mainly because it:

Allows out-of-network care at a higher cost share

A PPO allows members to use out-of-network providers at a higher cost share rather than restricting care to a single network.

3. In a major medical plan, the deductible is:

The amount the insured pays before the plan begins to pay

The deductible is the amount the insured must pay out of pocket before the plan starts paying covered expenses.

4. After the deductible, coinsurance in a medical plan means:

The insured and insurer share covered costs by a stated percentage

Coinsurance is the percentage split of covered costs between the insured and insurer after the deductible is met.

All Accident & Health topics

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.