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Free Medical Plans Practice Questions

New Hampshire Accident & Health exam — 45 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Copayment, Out-of-pocket maximum, Health savings account, Gatekeeper, Provider network, Fee-for-service, Stop-loss, Major medical, 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 health maintenance organization typically emphasizes:

Coordinated, prepaid care delivered largely through a network with an emphasis on prevention

HMOs provide prepaid coordinated care through a network and emphasize preventive services.

2. Compared with an HMO a preferred provider organization generally:

Allows out-of-network care at a higher cost to the insured

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

3. A health insurance deductible is the amount the insured must:

Pay out of pocket before the plan begins to pay

The deductible is the amount the insured pays out of pocket before the plan starts paying benefits.

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

20 percent of covered costs while the plan pays 80 percent

With 80/20 coinsurance, the plan pays 80 percent and the insured pays 20 percent of covered costs after the deductible.

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.