#1
Which of the following is a type of health insurance plan that provides coverage for a specific period of time?
Medicare
Medicaid
Short-term health insurance
Long-term care insurance
#2
What does the term 'co-pay' refer to in health insurance?
The total amount the insured person has to pay for covered services
The percentage of covered expenses that the insured person must pay
A fixed amount the insured person pays for covered services at the time of service
The amount the insured person pays before the insurance company begins to pay
#3
Which of the following is NOT typically covered by health insurance?
Routine check-ups
Emergency room visits
Cosmetic surgery
Prescription drugs
#4
Which government program provides health coverage to low-income individuals and families?
Medicare
Medicaid
CHIP
VA Health Care
#5
Which of the following is typically covered by dental insurance?
Routine cleanings and check-ups
Emergency room visits
Prescription drugs
Cosmetic surgery
#6
Which government program provides health coverage to eligible military veterans?
Medicare
Medicaid
CHIP
VA Health Care
#7
Which government program provides health insurance to individuals aged 65 and older, as well as certain younger people with disabilities?
Medicare
Medicaid
CHIP
VA Health Care
#8
What is a Health Maintenance Organization (HMO) known for in terms of health insurance?
Freedom to choose any healthcare provider
Having a primary care physician who coordinates care
Providing coverage only for emergencies
Offering the highest level of coverage
#9
What is the term used to describe the maximum amount an insurance company will pay for covered healthcare services in a policy period?
Deductible
Premium
Co-insurance
Out-of-pocket maximum
#10
In health insurance, what does the term 'network' refer to?
A group of healthcare providers who have contracts with the insurance company
The coverage area where the insurance plan is valid
The total amount of coverage provided by the insurance plan
The deductible amount that must be paid by the insured person
#11
What does the term 'pre-existing condition' mean in health insurance?
A condition that occurs after the insurance policy is purchased
A condition that was previously diagnosed or treated before the insurance policy start date
A condition that is not covered by the insurance policy
A condition that only affects elderly individuals
#12
Which of the following is an advantage of having a Preferred Provider Organization (PPO) health insurance plan?
Lower out-of-pocket costs
Limited choice of healthcare providers
No need for referrals to see specialists
Higher premiums compared to other plans
#13
What is the purpose of a Health Maintenance Organization (HMO) referral?
To increase out-of-pocket costs for the insured person
To limit access to healthcare services
To authorize access to specialist care
To prevent coverage for certain medical procedures
#14
What is the purpose of a Health Savings Account (HSA) in relation to health insurance?
To provide financial assistance for premiums
To pay for out-of-pocket medical expenses tax-free
To cover prescription medication costs
To reimburse for non-covered medical procedures
#15
What is the purpose of a Health Reimbursement Arrangement (HRA) in relation to health insurance?
To provide financial assistance for premiums
To pay for out-of-pocket medical expenses tax-free
To cover prescription medication costs
To reimburse employees for qualified medical expenses