#1
Which government healthcare program provides coverage for individuals aged 65 and older in the United States?
Medicare
ExplanationCoverage for seniors aged 65+ in the US
#2
What is the primary purpose of health insurance?
To cover medical expenses
ExplanationMainly for covering medical costs
#3
In the context of health insurance, what does the term 'out-of-pocket limit' refer to?
The maximum amount an individual must pay for covered services in a plan year
ExplanationMaximum annual cost for covered services
#4
In health insurance, what does the term 'pre-existing condition' refer to?
A medical condition that existed before the policy was issued
ExplanationExisting medical condition prior to policy issuance
#5
Which government healthcare program provides coverage for active-duty military personnel and their eligible dependents?
TRICARE
ExplanationCoverage for active-duty military and dependents
#6
Which government healthcare program is designed to assist low-income individuals and families with medical costs?
Medicaid
ExplanationAid for low-income individuals and families
#7
In the context of health insurance, what does the term 'premium' refer to?
The amount an individual pays for coverage
ExplanationCost for health insurance coverage
#8
What is the purpose of a Health Savings Account (HSA) in the context of health insurance?
To accumulate funds for qualified medical expenses
ExplanationSaving for medical expenses
#9
Which federal agency administers the Medicaid program in the United States?
Centers for Medicare & Medicaid Services (CMS)
ExplanationOversees Medicaid in the US
#10
What is the primary goal of the Affordable Care Act (ACA) in the United States?
To reduce the number of uninsured individuals
ExplanationDecrease the uninsured population
#11
Which term refers to the total amount an individual must pay for covered medical services before the insurance company starts paying?
Deductible
ExplanationInitial amount paid by the insured
#12
Which of the following is a feature of Health Maintenance Organization (HMO) plans?
Referrals needed for specialists
ExplanationSpecialist visits require referrals
#13
In a health insurance policy, what does the term 'co-payment' refer to?
The fixed amount paid by the insured for each covered healthcare service
ExplanationFixed payment per healthcare service
#14
What is the primary purpose of the Children's Health Insurance Program (CHIP) in the United States?
Ensuring healthcare coverage for children in low-income families
ExplanationProviding healthcare for low-income children
#15
Which type of health insurance plan typically allows individuals to see any healthcare provider without a referral?
Preferred Provider Organization (PPO)
ExplanationNo need for referrals to see providers
#16
What is a Health Maintenance Organization (HMO) primary care physician responsible for?
Managing preventive care and referring to specialists
ExplanationOverseeing preventive care and referrals
#17
Which government healthcare program primarily serves active-duty military personnel, retirees, and their dependents?
TRICARE
ExplanationCoverage for military and their dependents