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A vibrant illustration depicting various health insurance elements, including Medicare, Social Security cards, health policy documents, and happy families covered by insurance. The background should suggest a sense of security and well-being.

Health Insurance Knowledge Quiz

Test your knowledge on crucial health insurance concepts with our comprehensive quiz! This quiz covers a range of topics, from Social Security to Medicare and various health policies.

26 thought-provoking questions
Enhance your understanding of health insurance
Perfect for students, professionals, and anyone interested in health coverage

26 Questions6 MinutesCreated by LearningHealth42

Which health insurance contract provision addresses the problem of overinsurance

Coordination benefits

HIPAA

PPO

Relevant factors in the health insurance principle of morbidity include all of the following EXCEPT

Health

Age

Intellegence

To reach currently insured status under the Social Security system, an individual must be credited with a MINIMUM of

7 quarter of coverage during the last 13-quarter period

6 quarter of coverage during the last 13-quarter period

5 quarter of coverage during the last 13-quarter period

In health insurance, the result of rising mobility rates is

Decreased premium

Increased premium

Leveled premium

Same premium

Which health plan might apply 90% coinsurance to network providers and 70% coinsurance to non-network providers?

Preferred Provider Organization(PPO)

HIPAA

Medicare

The Family and Medical Leave Act(FMLA) covers all of the following EXCEPT

Provide employees with job-protected and unpaid leave

Traveling with a spouse who has been transferred overseas

A surviving spouse without dependent children is eligible for Social Security survivor benefits at age

What happens if an insurer violates the Medical Loss Ratio rate and spends too much money on administrative costs?

Insurers that do not meet the Medical Less Ratio standard will be required to provide rebates to their customers and reduce spending do their administrative cost

They will be required to increase provide a month of free payments

Vision insurance usually limits coverage in all of the following EXCEPT

A specific dollar amount for examinations

When an agent writes a replacing long-term care policy, the agent's first year sales commission will be determined based on the

The sum of the new and original commission

Difference between the new and original policy annual premium

The original replaced with the new

Why is an injury caused by accident at an employee's workplace excluded from individual health insurance coverage?

It is covered by the state Worker's Compensation program

Its covered by the federal government

All of the following conditions must be met to qualify for residual disability income policy EXCEPT

Senses and speech issues, such as vision and hearing loss.

Qualifies for Social Security disability benefits

Respiratory illnesses, such as COPD or asthma.

All of the following features of Preferred Provider Organization(PPO) EXCEPT

Primary care physician acts as gatekeepers

Exibility to visit or choose doctors and hospitals outside the network

Visits outside the network are not fully covered as visits within the network;

In the Worker's Compensation policy, Part One, Workers' Compensation, pays for

Sums the insured is required to pay under state Worker's Compensation law

Pays for the sums the employer is required to pay

Pays for the sums beneficiary is supposed to pay

Under Social Security, the definition of disability is the inability to engage in

Any activity that provides food for insured

Any substantial gainful activity

Any activity that helps insured with physical activity

The Employee Retirement Income Security Act of 1974(ERISA) regulates group health insurance in the area of

Disclosure and submiting

Disclosure and reporting

Reporting and organizing

Which plan covers the medical expenses that are NOT covered by Medicare?

Medicare supplement

HIPPA

Medicare A

Medicare B

Which of the following conditions would NOT be included among the chronic illness triggers of a long term care policy?

Deafness

Athritis

Asthma

Insurers are prohibited from denying claims based on misrepresentations in a disability policy application after the policy has been in force for

Three years

Six months

One year

Two years

Which funded government program is jointly administered by the federal and state governments?

Medi-cal

Medicare

Medicare A

What rights do individuals have if they disagree with a decision on the amount Medicare will pay?

They can ask the Medicare carrier to review the decision.

They can ask the Medi-cal carrier to review the decision.

They can ask the PPO carrier to review the decision.

Which long-term care policy provision allows for a periodic increase in policy benefits?

Cash Value

Inflation protection

Life insurance

All of the following statements about Medicare Part B are correct EXCEPT it

Colonoscopies

Flu shots

Mammograms

Ays for virtually all drugs prescribed by a physician.

Under PPACA, what is a health benefit exchange?

HIPPA can insure older citizens

PPACA creates new entities called American Health Benefit Exchanges through which individuals, small businesses, and those who do not have access to affordable employer coverage, can purchase coverage.

Insurance is able to cover disability such as deafness

The initial enrollment period for Medicare Part B ends how many months after the 65th birthday month?.

Two months

6 months.

Three month

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