1. Exam Prep
  2. Connecticut
  3. Accident & Health
  4. Medical Plans

Free Medical Plans Practice Questions

Connecticut Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, POS, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, HSA, Preexisting conditions, Fee-for-service, Stop-loss, Major medical, 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. A health maintenance organization (HMO) typically requires members to:

Receive care through a network and often a primary care physician

HMOs generally deliver care through a defined network and often require a primary care physician to coordinate services.

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

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

A PPO lets members use out-of-network providers at a higher out-of-pocket cost without strict gatekeeping.

3. A point-of-service (POS) plan is best described as a hybrid that:

Combines HMO features with an out-of-network option

A POS plan blends HMO-style coordinated care with the option to go out of network at greater cost.

4. A health plan deductible is the amount the insured must pay:

Before the plan begins to pay covered expenses

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

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.