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Free Medical Plans Practice Questions

Ohio Accident & Health exam — 42 practice questions.

Subtopics: HMO, PPO, Deductible, Coinsurance, Out-of-pocket maximum, HSA, Fee-for-service, Stop-loss, Major medical, POS, Gatekeeper, Preauthorization, Utilization review, Preventive care, Copayment, 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 plan that provides care through a network and typically requires a primary care physician referral is a(n):

HMO

HMOs use networks and often gatekeeper primary care physicians.

2. A plan that allows out-of-network care at higher cost without a referral is a:

PPO

PPOs let members use out-of-network providers at higher cost-sharing.

3. The amount an insured pays before major medical benefits begin is the:

Deductible

The deductible is paid before the plan pays.

4. After the deductible, an 80/20 plan means the insurer pays 80% and the insured pays:

20% as coinsurance

Coinsurance is the insured's percentage share 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.