1. Exam Prep
  2. Michigan
  3. Accident & Health
  4. Medical Plans

Free Medical Plans Practice Questions

Michigan Accident & Health exam — 42 practice questions.

Subtopics: HMO, PPO, HDHP and HSA, Copay, Network gatekeeper, Coordination of benefits, Fee-for-service, Deductible, Stop-loss, Major medical, POS, Gatekeeper, Preauthorization, Utilization review, Preventive care, Copayment, 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. A health maintenance organization (HMO) typically requires members to:

Use network providers and a primary care physician

HMOs generally require using network providers and obtaining referrals through a primary care physician.

2. A preferred provider organization (PPO) differs from an HMO mainly by:

Allowing out-of-network care at higher cost

A PPO allows members to use out-of-network providers, usually at a higher cost share.

3. A high-deductible health plan can be paired with a tax-advantaged:

Health Savings Account (HSA)

A qualifying high-deductible health plan can be paired with a Health Savings Account for tax-advantaged savings.

4. A fixed dollar amount paid by the insured for a covered service like an office visit is a:

Copayment

A copayment is a fixed dollar amount the insured pays for a specific covered service.

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.