#1
Which of the following is NOT a type of health insurance plan?
#2
What is the purpose of a deductible in health insurance?
To limit the amount of out-of-pocket expenses the insured must pay before the insurance company starts to cover costs
To limit the number of healthcare providers available under the plan
To determine the premium amount for the insurance plan
To determine the maximum coverage limit for the insured
#3
What is the purpose of a Health Savings Account (HSA) in the context of health insurance?
To provide coverage for dental and vision care
To allow individuals to save money tax-free for medical expenses
To offer supplemental insurance coverage for catastrophic events
To provide coverage for long-term care services
#4
What is the term used to describe an agreement between an insurance provider and a healthcare provider to deliver services at pre-negotiated rates?
Co-payment
Deductible
Premium
In-network
#5
In health insurance, what does the term 'out-of-pocket maximum' refer to?
The maximum amount an insured individual is required to pay for covered services in a given period
The amount an insured individual must pay before insurance coverage begins
The maximum number of healthcare providers an insured individual can visit within a network
The maximum amount of money a healthcare provider can charge for a specific service
#6
What does 'COBRA' stand for in the context of health insurance?
Consolidated Omnibus Budget Reconciliation Act
Continuation Of Benefits Regulation Act
Cooperative Benefits Reconciliation Agreement
Combined Options for Benefits Reimbursement and Adjustment
#7
Which government program provides health insurance for individuals aged 65 and older in the United States?
#8
What is 'pre-existing condition' in the context of health insurance?
A condition that existed before a person's health insurance coverage began
A condition that only occurs after obtaining health insurance
A condition that cannot be covered by health insurance
A condition that is not considered a health risk
#9
Which of the following is a key feature of a Health Maintenance Organization (HMO) plan?
No referrals required to see specialists
Freedom to choose any healthcare provider
Lower out-of-pocket costs for out-of-network services
Primary care physician coordinates all healthcare services
#10
What is the primary objective of Medicaid?
To provide health insurance coverage to low-income individuals and families
To provide health insurance coverage to individuals aged 65 and older
To provide health insurance coverage to military personnel and their families
To provide health insurance coverage to individuals with pre-existing conditions
#11
In health insurance, what is the term used to describe the amount an insured individual is required to pay for covered services after the deductible has been met?
Premium
Co-payment
Out-of-pocket maximum
Coinsurance
#12
Which of the following services is typically NOT covered by most health insurance plans?
Emergency room visits
Prescription drugs
Cosmetic surgery
Mental health services
#13
What does the term 'network' refer to in the context of health insurance?
A group of hospitals that are not covered by insurance
A group of healthcare providers and facilities that have contracts with an insurance company
A type of insurance plan that covers only specific types of medical conditions
A government agency that regulates health insurance policies
#14
Which government program provides health insurance coverage to low-income individuals and families in the United States?
Medicare
Medicaid
CHIP
COBRA
#15
What is the purpose of a Certificate of Coverage in health insurance?
To provide proof of insurance coverage
To determine eligibility for government assistance programs
To identify eligible dependents for coverage
To specify the duration of coverage
#16
What is the primary purpose of the Children's Health Insurance Program (CHIP) in the United States?
To provide health insurance coverage to low-income children and pregnant women
To provide health insurance coverage to individuals aged 65 and older
To provide health insurance coverage to military personnel and their families
To provide health insurance coverage to individuals with pre-existing conditions