WorksheetsHealth Insurance Practice Test
Total questions: 27
Worksheet time: 27mins
The amount of money you must pay each year before your insurance company starts to contribute paying for some of the cost.
copay
premium
deductible
coinsurance
out-of-pocket maximum
A predetermined flat fee for health care services that you pay after reaching your deductible.
coinsurance
co-payment
A predetermined percentage of health care services that you pay after reaching your deductible.
coinsurance
co-payment
The cost you must pay to simply have access to your insurance
co-pay
deductible
premium
co-insurance
Medicare
A 30 year old woman broke her arm and went to the ER for treatment. Her health insurance plan has a $1,500 deductible. What does this mean?
Her insurance company will pay all $1,500.
She pays $1,500 of her medical expenses before her insurance starts to pay.
Her insurance company will only pay $1,500 and she must pay the rest.
The amount of money you have to pay for your medical care when you go to the doctor, specialist, hospital, etc.
Premium
Deductible
FSA
HSA
Under current law, until what age can a child stay on their parents' health insurance?
18
21
26
29
You have met already met your deductible. The bill is $300, and your coinsurance is 10%. What will you pay?
$30
$330
$300
$0
$270
The amount of money you must pay each year before your insurance company fully pays for everything else.
copay
premium
deductible
coinsurance
out-of-pocket maximum
What costs more?
Staying in network
Going out of network
Which savings account is exclusive to HDHPs?
FSA
HSA
Which savings account does not roll over to the next year, even if there is money left over?
FSA
HSA
Which savings account is not exclusive to any particular medical plan?
FSA
HSA
Which savings account rolls over from year to year?
FSA
HSA
The time frame where employees can choose (or change) their health insurance plans
Open Enrollment
Affordable Care Act
Preventive Care
Primary Provider Option
Helps detect or prevent serious diseases & medical problems before they can become major
Preventive Care
Open Enrollment Period
Health Savings Account
Co-insurance
Which plan has the lowest monthly premiums?
HMO
PPO
HDHP
Which plan has the highest deductibles?
HMO
PPO
HDHP
Which plan is typically paired with an HSA?
HMO
PPO
HDHP
Which plan requires you to have a Primary Care Physician (PCP)?
HMO
PPO
HDHP
Which plan requires you to pay a copay for every visit?
HMO
PPO
HDHP
Which plan has no coverage for out-of-network care?
HMO
PPO
HDHP
Which plan has few choices for in-network options?
HMO
PPO
HDHP
Which plan is known to have a wider pool of in-network providers?
HMO
PPO
HDHP
Which plan is known to have the highest monthly premiums?
HMO
PPO
HDHP
Shyvan already met his deductible of $2,000. His out of pocket maximum is $10,000. What happens if he gets a medical bill right now for $1,000?
His insurance pays all $1,000.
He pays all $1,000.
He splits the $1,000 with his insurance.
Fritzna has a $2,000 deductible, and hasn't paid any of it yet this year. Her out of pocket maximum is $10,000. What happens if she gets a medical bill right now for $1,000?
Her insurance pays all $1,000.
She pays all $1,000.
She splits the $1,000 with his insurance.
