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Free Medical Plans Practice Questions

Illinois Accident & Health exam — 42 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Copayment, HSA, Fee-for-service, Stop-loss, Major medical, POS, 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, Out-of-pocket maximum

Read the Medical Plans study guide

Sample questions & answers

1. In a traditional HMO the member usually selects a:

Primary care physician who coordinates care

HMO members typically choose a primary care physician who serves as a gatekeeper coordinating care.

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

Offering lower cost-sharing in network

A PPO offers lower out-of-pocket costs for using preferred network providers.

3. A deductible is the amount the insured:

Must pay before the plan begins to pay

A deductible is the amount the insured must pay before the plan starts paying benefits.

4. Under an 80/20 coinsurance arrangement after the deductible the plan pays:

80 percent while the insured pays 20 percent

With 80/20 coinsurance the plan pays 80 percent and the insured pays 20 percent after the deductible.

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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.