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  4. Medical Plans

Free Medical Plans Practice Questions

Michigan Life, Accident & Health exam — 22 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, HSA, Coordination of benefits, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, Basic hospital expense, Major medical

Read the Medical Plans study guide

Sample questions & answers

1. An HMO generally requires members to:

Use network providers and a primary care physician

HMOs typically require network providers and referrals coordinated by a primary care physician.

2. A PPO allows out-of-network care:

At a higher cost share

PPOs permit out-of-network care, usually at a higher cost to the insured.

3. The amount paid before health benefits begin is the:

Deductible

A deductible is the amount the insured pays before the plan begins paying benefits.

4. Under 80/20 coinsurance, after the deductible the insured pays:

20%

With 80/20 coinsurance the insured pays 20% and the insurer pays 80% of covered charges.

All Life, 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.