Free Medical Plans Practice Questions

Rhode Island Life, Accident & Health exam — 24 practice questions.

Subtopics: Point of service, Exclusive provider organization, Usual customary reasonable, Capitation, Basic surgical expense, Comprehensive major medical, Flexible spending account, Health reimbursement arrangement, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Precertification, Basic hospital expense, Major medical

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Sample questions & answers

1. A point-of-service (POS) managed care plan is best described as one that:

Combines in-network care with the option to go out of network at higher cost

A POS plan blends HMO features with the option to use out-of-network providers at greater cost.

2. An Exclusive Provider Organization (EPO) generally:

Covers care only within its network except in emergencies

An EPO generally covers only in-network care except emergencies, with no benefits for out-of-network services.

3. The usual, customary, and reasonable (UCR) standard is used by health plans to:

Determine the allowable charge for a service in a geographic area

UCR establishes the allowable amount for a service based on customary charges in the area.

4. Under a capitation arrangement, a provider is paid:

A set amount per member per period regardless of services used

Capitation pays the provider a fixed amount per enrolled member per period regardless of the services actually rendered.

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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.