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Free Medical Plans Practice Questions

Louisiana Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Coinsurance, Deductible, Copayment, Out-of-pocket maximum, Gatekeeper, Coordination of benefits, Health savings account, 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 key characteristic of a Health Maintenance Organization (HMO) is that it:

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

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

2. A Preferred Provider Organization (PPO) typically:

Offers lower costs for in-network providers but allows out-of-network care at higher cost

A PPO gives the insured cost savings for using network providers while still allowing out-of-network care at a higher cost.

3. Coinsurance in a major medical plan refers to:

The percentage of covered costs the insured shares after the deductible

Coinsurance is the percentage split of covered costs between the insured and the insurer after the deductible is met.

4. The deductible in a health plan 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 plan benefits begin.

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.