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  4. Medical Plans

Free Medical Plans Practice Questions

Connecticut Life, Accident & Health exam — 24 practice questions.

Subtopics: HMO gatekeeper, PPO, Indemnity plan, Copayment, Deductible, Out-of-pocket maximum, HDHP, Preventive care, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, Basic hospital expense, Major medical

Read the Medical Plans study guide

Sample questions & answers

1. In many HMO plans, the primary care physician acts as a gatekeeper, meaning the PCP:

Coordinates care and provides referrals to specialists

The HMO gatekeeper coordinates the member's care and provides referrals to specialists.

2. A PPO encourages members to use network providers by:

Offering lower cost sharing for in-network care

A PPO offers lower cost sharing when members use network providers but still covers out-of-network care at higher cost.

3. A traditional indemnity (fee-for-service) health plan generally allows the insured to:

Use any provider, subject to deductible and coinsurance

A traditional indemnity plan lets the insured choose providers freely, paying a deductible and coinsurance.

4. A copayment is best described as:

A fixed dollar amount paid for a covered service

A copayment is a set dollar amount the member pays for a covered service such as an office visit.

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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.