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Free Medical Plans Practice Questions

Virginia Life, Accident & Health exam — 24 practice questions.

Subtopics: Deductible, Coinsurance, HMO, PPO, Copayment, Out-of-pocket maximum, Coordination of benefits, Preexisting condition, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, Basic hospital expense, Major medical

Read the Medical Plans study guide

Sample questions & answers

1. A deductible in a medical plan is the amount the insured:

Pays before the plan begins to pay

The deductible must be paid by the insured before the plan starts covering expenses.

2. Coinsurance means the insured and insurer:

Share covered costs by an agreed percentage

Coinsurance splits covered costs by percentage after the deductible is met.

3. An HMO typically delivers care through:

A network with emphasis on a primary care physician

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

4. A PPO differs from an HMO because it:

Allows out-of-network care at higher cost

PPOs let members use out-of-network providers, usually at higher cost than in-network.

All Life, 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.