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Free Medical Plans Practice Questions

Missouri Accident & Health exam — 45 practice questions.

Subtopics: Health maintenance organization, Preferred provider organization, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, Health savings account, Major medical, Gatekeeper, Fee-for-service, Stop-loss, HMO, PPO, POS, 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 managed care plan that emphasizes prepaid care through a network and a primary care physician is a(n):

Health maintenance organization

An HMO provides prepaid comprehensive care through a defined network, usually coordinated by a primary care physician.

2. A plan that lets members use out-of-network providers at higher cost is a:

Preferred provider organization

A PPO allows care outside the preferred network but with higher out-of-pocket costs.

3. The amount an insured must pay out of pocket before the health plan begins paying is the:

Deductible

The deductible is the initial amount the insured pays before the plan starts to pay benefits.

4. Under an 80/20 medical plan, the insured's 20 percent share of covered expenses is called:

Coinsurance

Coinsurance is the percentage of covered costs the insured shares with the insurer 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.