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Free Medical Plans Practice Questions

Idaho Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, Health savings account, Gatekeeper, Coordination of benefits, Fee-for-service, Stop-loss, Major medical, POS, Preauthorization, Utilization review, Preventive care, 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) generally provides care:

Through a network of providers with an emphasis on preventive care

An HMO delivers care through a contracted network and emphasizes preventive services to control costs.

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

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

A PPO lets members use out-of-network providers, though usually at a higher out-of-pocket cost than in-network care.

3. In a medical expense plan, the deductible is:

The amount the insured pays before the plan begins to pay

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

4. An 80/20 coinsurance arrangement means that after the deductible the plan pays:

80 percent and the insured pays 20 percent of covered charges

Under 80/20 coinsurance, the plan pays 80 percent of covered charges and the insured pays the remaining 20 percent.

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.