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Free Medical Plans Practice Questions

Iowa Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Health savings account, Out-of-pocket maximum, Copayment, Point of service, 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 maintenance organization (HMO) typically:

Emphasizes preventive care and uses a network with a primary care gatekeeper

HMOs emphasize preventive care and generally require members to use network providers coordinated by a primary care physician.

2. Compared with an HMO, a preferred provider organization (PPO) generally:

Allows members to use out-of-network providers at a higher cost

A PPO lets members use out-of-network providers but at a higher out-of-pocket cost than network providers.

3. In a major medical plan, the amount the insured pays before the insurer begins to pay is the:

Deductible

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

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

Coinsurance

Coinsurance is the percentage of covered costs shared by the insured 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.