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

Blends HMO features with the option to use out-of-network providers at higher cost

A POS plan combines HMO-style in-network care with the option to go out of network at a higher cost share.

2. In a gatekeeper HMO model, the primary care physician's role is to:

Coordinate care and authorize referrals to specialists

In a gatekeeper HMO, the primary care physician coordinates care and must authorize referrals to specialists.

3. A health flexible spending account (FSA) allows an employee to:

Set aside pre-tax dollars to pay qualified medical expenses

An FSA lets an employee set aside pre-tax dollars to pay qualified out-of-pocket medical expenses, subject to plan rules.

4. Accidental death and dismemberment (AD&D) coverage pays a specified benefit for:

Death or the loss of specified body parts or functions caused by an accident

AD&D pays a stated benefit for accidental death or for the loss of specified members or functions, such as a hand or sight.