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Free Medical Plans Practice Questions

Minnesota Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, HSA, Network provider, Managed care, 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

Read the Medical Plans study guide

Sample questions & answers

1. A defining feature of a health maintenance organization (HMO) is what?

Care coordinated through a primary care physician within a network

HMOs typically emphasize coordinated care through a primary care physician and use a defined network of providers, often requiring referrals.

2. Compared with an HMO a preferred provider organization (PPO) generally offers what?

Greater flexibility to use out-of-network providers at higher cost

A PPO offers more flexibility than an HMO, allowing out-of-network care at a higher out-of-pocket cost.

3. The amount the insured must pay before the health plan begins to pay is called what?

Deductible

The deductible is the amount the insured pays out of pocket before the plan begins to share covered expenses.

4. In a plan with 80/20 coinsurance after the deductible the insured generally pays what share of covered costs?

20 percent

With 80/20 coinsurance, the plan pays 80 percent and the insured pays the remaining 20 percent of covered expenses 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.