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Free Medical Plans Practice Questions

Indiana Accident & Health exam — 45 practice questions.

Subtopics: Deductible, Coinsurance, Out-of-pocket maximum, HMO, PPO, Capitation, Coordination of benefits, Health savings account, Preventive care, Fee-for-service, Stop-loss, Major medical, POS, Gatekeeper, Preauthorization, Utilization review, Copayment, Comprehensive major medical, HIPAA portability, HIPAA privacy, Dependent to age 26, Exclusive Provider Organization, High-deductible health plan, 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. The amount an insured must pay out of pocket before a medical plan begins to pay is called what?

Deductible

The deductible is the initial amount the insured pays each year before the plan starts sharing covered costs.

2. After the deductible is met, the percentage of covered costs the insured continues to share is called what?

Coinsurance

Coinsurance is the percentage split of covered expenses between the insured and the plan after the deductible.

3. The provision that caps the total an insured pays in a year, after which the plan pays 100 percent, is called what?

Out-of-pocket maximum

The out-of-pocket maximum, or stop-loss, limits the insured's annual cost sharing, after which the plan pays covered expenses in full.

4. A health maintenance organization (HMO) generally requires members to do what?

Select a primary care physician and obtain referrals

HMOs emphasize coordinated care, typically requiring a primary care physician and referrals to see specialists.

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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.