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Free Medical Plans Practice Questions

Arizona Accident & Health exam — 43 practice questions.

Subtopics: Deductible, Coinsurance, Out-of-pocket maximum, Preferred provider organization, Health maintenance organization, Copayment, Health savings account, Fee-for-service, Stop-loss, Major medical, HMO, PPO, POS, Gatekeeper, 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. In a major medical plan, the deductible is the amount:

The insured pays before the plan begins to pay covered charges

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

2. Coinsurance in a health plan refers to:

The sharing of covered costs between insurer and insured after the deductible

Coinsurance is the percentage split of covered costs between the plan and the insured once the deductible is met.

3. The out-of-pocket maximum in a health plan:

Caps the insured's cost sharing for the period, after which the plan pays 100% of covered charges

Once the insured reaches the out-of-pocket maximum, the plan pays the full cost of remaining covered services for that period.

4. A preferred provider organization (PPO) plan generally:

Lets members use out-of-network providers at a higher cost

PPOs offer lower cost sharing in network but still provide benefits, at higher cost, for out-of-network care.

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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.