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Free Medical Plans Practice Questions

Virginia Accident & Health exam — 45 practice questions.

Subtopics: Major medical, Deductible, Coinsurance, HMO, PPO, Copayment, Preexisting condition, Out-of-pocket maximum, Network, Fee-for-service, Stop-loss, POS, Gatekeeper, 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 major medical plan typically includes:

Deductibles, coinsurance, and an out-of-pocket maximum

Major medical plans use deductibles, coinsurance, and out-of-pocket limits to share costs.

2. A health plan deductible is the amount the insured:

Pays before the plan begins paying

The deductible is the amount the insured must pay out of pocket before the plan starts paying covered expenses.

3. Coinsurance in a health plan means:

The insured and insurer share covered costs by percentage

Coinsurance splits covered costs between insurer and insured by an agreed percentage after the deductible.

4. A health maintenance organization (HMO) typically:

Provides care through a network and emphasizes a primary care physician

HMOs deliver care through a contracted network and often coordinate care through a primary care physician.

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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.