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WorksheetsCDHP Review
Total questions: 24
Worksheet time: 12mins
What does CDHP stand for?
Custom Drive Harley Photos
Commercial Driven Health Parnter
Consumer Driven Health Plan
Consumer Deductible Health Plan
You have to use HSA funds before you lose them at the end of the benefit period/year.
True
False
The only company that administer an HSA is HealthEquity.
True
False
HSA stands for:
Hungry Sad Agents
Health Reimbursement Account
Health Sarcasm Account
Health Savings Account
HRA stands for:
Health Retirement Account
Health Reimbursement Account
Healthy Rodents Aging
Health Savings Account
The employer solely funds the:
HRA
HSA
IRA
FSA
An employer cannot add funds to an HSA.
True
False
If a member wants to know if their dependent child on a standalone policy can have their own HSA:
Of course they can!
The member needs to contact HealthEquity for that policy.
A minor can have full access and ability to open an HSA.
Only the biological mother can open and spend from the HSA.
An HRA requires a High Deductible Health Plan.
True
False
An HSA requires a High Deductible Health Plan.
True
False
The IRS sets the limits for this account:
HRA
FSA
HRIS
HSA
ACA compliant CDHP plans still provide what?
Preventive care at copay benefit levels
Preventive care at deductible benefit levels
Preventive care at 100% of the allowed amount
Preventive care at coinsurance benefit levels
Which is NOT a characteristic of a CDHP?
May be paired with an HSA.
May have a low deductible.
May be paired with an HRA.
Copay/coinsurance benefits do not kick in until the deductible has been met.
A CDHP offers protection against catastrophic illness/events.
True
False
What is true of a CDHP:
Members are typically aware of healthcare spending.
Members must use everything in their HSA every year.
Members can skip the deductible for large expenses.
Members can save some money up-front by paying their deductible in advance.
What tax advantage does an HRA have?
Tons!
None!
Lowers tax liability!
Reduces taxable income!
Can you have an HSA without a High Deductible Plan?
Always!
Never!
Sure, why not?
Only in certain circumstances.
Who sets the limit for the HRA rollover amount?
The Employer
The Genevieve
The Employee
The IRS
Aggregate Deductible...say what?
Has to be met before benefits pay for any family member.
Has to be met for only the Subscriber.
Doesn't have to be met for coinsurance to kick in.
Has to be met for Pharmacy only.
The amount a patient must pay before benefits kick in is called:
Premium
Allowed Amount
Deductible
OOP
Experts believe increasing healthcare costs are due to:
Aging members
Increased demand for healthcare
Advances in medical technology
All of these
What does an Out of Pocket (OOP) maximum do for the member:
Stops bleeding at the site of injury
Keeps spending going so that the member pays less and less
Is typically something that turns their pockets inside out
Stops member spending at the preassigned limit
Where can you find more information about HRAs, HSAs, and CDHPs?
Job Aides
BCBSNC.com
Online
WBTs
Just for good measure, what should you do with each call?
Document it
Give a disclaimer for Benefits
Use the Benefit Flow Scripting
Read the messaging for Benefits calls
