1. In a managed care plan, a primary care physician who must authorize referrals to specialists acts as a:

Gatekeeper

The primary care physician serves as a gatekeeper, coordinating care and authorizing specialist referrals in many managed care plans.

2. A basic hospital expense policy typically covers:

Room and board and miscellaneous hospital charges up to stated limits

Basic hospital expense coverage pays for daily room and board and miscellaneous hospital charges up to specified limits, usually with no deductible.

3. An open enrollment period in a group health plan is the time when eligible employees may:

Join or change coverage without proving insurability

During open enrollment, eligible employees may enroll in or change plans without evidence of insurability.

4. A benefit maximum in older major medical plans set:

The most the plan would pay for an insured's covered expenses

A benefit maximum capped the total the plan would pay, though caps on essential health benefits are now restricted by law (verify).