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Free Medical Plans Practice Questions

Montana Accident & Health exam — 45 practice questions.

Subtopics: Deductible, Coinsurance, Copayment, Out-of-pocket maximum, HMO, PPO, Health savings account, Coordination of benefits, Preventive care, Fee-for-service, Stop-loss, Major medical, POS, Gatekeeper, Preauthorization, Utilization review, 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. In a major medical plan, the deductible is:

The amount the insured pays before the plan begins to pay

The deductible is the amount the insured pays before the plan begins to pay.

2. An 80/20 coinsurance provision means that after the deductible:

The insurer pays 80 percent and the insured pays 20 percent

Under 80/20 coinsurance, after the deductible the insurer pays 80 percent and the insured pays 20 percent.

3. A copayment in a health plan is:

A fixed dollar amount the insured pays for a covered service

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

4. Once an insured reaches the plan's out-of-pocket maximum, the plan generally:

Pays 100 percent of covered expenses for the rest of the period

After the out-of-pocket maximum is reached, the plan generally pays 100 percent of covered expenses for the rest of the period.

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.