Health Insurance Programs and Structures Quiz
Test your knowledge on health insurance plans, terms like COBRA, deductibles, premiums, and coverage. Take the quiz now!
#1
Which of the following is NOT a type of health insurance plan?
#2
What is the purpose of a health insurance deductible?
To limit the amount of healthcare services you can receive
To determine your eligibility for coverage
To reduce the cost of insurance premiums
To set the amount you must pay out-of-pocket before insurance coverage begins
#3
Which of the following is NOT typically covered by health insurance?
Doctor's office visits
Hospital stays
Cosmetic surgery
Prescription drugs
#4
What does COBRA stand for in the context of health insurance?
Consolidated Omnibus Budget Reconciliation Act
Comprehensive Obligation for Beneficiary Rights Act
Consumer Options for Better Rates and Access Act
Cooperative Obligations for Benefits Reassessment Act
#5
Which of the following is a characteristic of a high-deductible health plan (HDHP)?
Low out-of-pocket costs
Covers preventive care without cost-sharing
Has a higher deductible compared to traditional plans
Only available to individuals below 18 years old
#6
What is a health maintenance organization (HMO) known for?
Offering the greatest flexibility in choosing healthcare providers
Requiring referrals to see specialists
Providing coverage worldwide
Having no networks of doctors or hospitals
#7
What does the term 'premium' refer to in health insurance?
The amount of money you pay out-of-pocket for healthcare services before your insurance coverage kicks in
The monthly fee paid to an insurance company for coverage
A fixed dollar amount you pay for covered services at the time of receiving healthcare
The total amount of money you are responsible for paying for covered healthcare services in a plan year
#8
Which of the following is a feature of a flexible spending account (FSA)?
It allows you to carry over unused funds from year to year
It is only available to individuals with high-deductible health plans
It allows you to set aside pre-tax dollars to pay for eligible healthcare expenses
It has no contribution limits
#9
What is a health insurance grace period?
The period during which you are allowed to enroll in a health insurance plan
The period following the due date for premium payment during which coverage continues
The time it takes for insurance to become effective after enrolling in a plan
The period after which coverage is terminated if premium payment is not received
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