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

Free Medical Plans Practice Questions

Hawaii Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, HSA, POS plan, 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 plan that emphasizes preventive care and generally requires members to use a network of providers for a prepaid fee is a(n):

Health maintenance organization (HMO)

An HMO provides care through a network for a prepaid fee and emphasizes preventive care, usually requiring in-network use.

2. A plan that offers lower out-of-pocket costs for using preferred network providers but still covers out-of-network care at a higher cost is a(n):

Preferred provider organization (PPO)

A PPO gives lower costs for preferred providers but still covers out-of-network care at higher cost sharing.

3. The amount an insured must pay out of pocket before a medical plan begins to pay benefits is the:

Deductible

The deductible is the amount the insured pays before the plan begins to share covered costs.

4. After the deductible is met, the percentage of covered costs the insured continues to share with the insurer is called:

Coinsurance

Coinsurance is the percentage of covered costs the insured shares after the deductible is satisfied.

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.