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Health Insurance

Total questions: 39

Worksheet time: 45mins

Name
Class
Date
1.

Does the insurance company pay for ALL medical expenses as long as you pay your monthly premium?

a)

Yes

b)

No

2.

A fixed amount you pay for a covered health care service, usually when you get the service.

a)

Deductible

b)

Copay

c)

Premium

3.

The amount you owe for health care services each year before the insurance company begins to pay

a)

Coinsurance

b)

Deductible

c)

Copay

4.

The amount an insured must pay against a claim after the deductible is satisfied.

a)

Coinsurance

b)

Deductible

c)

Copay

5.

Any condition, either physical or mental, including a disability, that occurred before health plan coverage went into effect is a (a)   condition.

6.

Which of these is NOT one of the 4 areas of health?

a)

Mental

b)

Social

c)

Physical

d)

Financial

7.

Balancing of the 4 areas of health is called ___________________.

a)

wellness

b)

health

c)

lifestyle

d)

health assessment

8.

Passing down characteristics from parent to child.

a)

Trait

b)

Heredity

c)

Family

d)

Health

9.

The way you think, act, or feel that leads you to make a choice is your ______________________.

a)

lifestyle

b)

attitude

c)

character

d)

personality

10.

A set of behaviors you choose to live by are called _______________.

a)

attitude

b)

life skills

c)

lifestyle

d)

choices

11.

Which of these is NOT an example of preventive healthcare?

a)

Wearing bug spray while walking in the woods.

b)

Wearing a seat belt when in a car.

c)

Wearing a mask in public

d)

Eating healthy foods every day.

12.

Recycling, walking or riding a bike, and throwing trash away are all examples of

a)

ways to make the environment healthier

b)

ways to save money

c)

dangerous things we do to our planet

d)

what boy scouts and girl scouts do

13.

Dealing with life's demands in a positive way.

a)

setting goals

b)

refusal skills

c)

coping

d)

being a wise consumer

14.

Everything around you, both what you can see and can not see is called __________________

a)

environment

b)

health

c)

heredity

d)

trait

15.

Which of these influence our health?

a)

Family

b)

Environment

c)

Media

d)

All the above

16.

Taking ownership of your decisions regardless of the outcome.

a)

Personal responsibility

b)

Values

c)

Character

d)

Good decision

17.

What is the first step in decision making?

a)

Decide and Act

b)

List your Options

c)

Weighing the Consequences

d)

Identify the Problem

e)

Consider your values.

18.

What is the second step in decision making?

a)

Identify the Problem

b)

Evaluate your Decision

c)

Consider your values

d)

Decide and Act

19.

What is the 6th step in decision making?

a)

Decide and Act

b)

Evaluate your Decision

c)

Weigh the Consequences

d)

List your Options

20.

Which of these is an example of a short-term goal?

a)

go to college

b)

get married and have children

c)

save money to buy a new bike this summer

d)

complete all your homework assignments for the week by Friday

21.

What is this an example of?

a)

environment

b)

health

c)

life skill

d)

media

22.

Eating healthy, exercising, and getting 8 hours of sleep a night are all examples of

a)

Being a Wise Consumer

b)

Coping

c)

Practicing Wellness

d)

Refusal Skills

23.

Asking yourself questions about the 4 areas of health is an example of which life skill?

a)

Practicing Wellness

b)

Assessing your Health

c)

Evaluating Media Messages

d)

Setting Goals

24.

Choosing to eat an apple over a snickers candy bar is an example of what life skill?

a)

Making Good Decisions

b)

Refusal Skills

c)

Evaluating Media Messages

d)

Being a Wise Consumer

25.

Which of these are examples of mental health?

a)

Recognize and deal with stress

b)

Accept new ideas

c)

Effectively solve problems

d)

All the above

26.

______________ insurance provides financial protection against overwhelming medical expenses

a)

Health

b)

Car

c)

Comprehensive

d)

Medical

27.

___________ ______________offers health care coverage where the health care provider is paid a predetermined dollar amount for the service given

a)

term life

b)

whole life

c)

cash value

d)

traditional plan

28.

__________ ___________ __________ is a group of selected health care providers who offer comprehensive services at preset reimbursement levels

a)

health maintenance organization

b)

co-payment

c)

preferred provider organization

d)

co-insurance

29.

_____________ ___________ __________ is a prepaid health plan in which care providers contract with (or are) employees of the org. to provide you with services

a)

preferred provider organization

b)

health maintenance organization

c)

life insurance

d)

non-life insurance

30.

A(n) _________ is the amount of money you must pay each year before your insurance company starts paying

a)

life

b)

beneficiary

c)

deductible

d)

health

31.

_______________ requires you to pay either a set amount or a certain percent of medical expenses

a)

co-insurance

b)

co-payment

c)

life term

d)

term life

32.

A(n) ____________ is a predetermined flat fee you pay for health care services

a)

co-insurance

b)

whole life

c)

co-payment

d)

term

33.

__________ insurance is financial protection for a family in case the main source of income dies

a)

life

b)

term

c)

medical

d)

health

34.

_______ ________ insurance is for a specified term, such as 5 years, or to a specified age

a)

universal life

b)

term life

c)

cash value

d)

whole life

35.

The __________ is the person who receives money from a life insurance policy if the insured dies

a)

beneficiary

b)

life

c)

deductible

d)

health

36.

_______ _________ insurance also known as permanent life insurance, offers financial protection for your entire life

a)

term life

b)

whole life

c)

universal life

d)

life

37.

_______ _______ is the amount of money you will receive if you cancel your whole life insurance policy

a)

deductible

b)

medical

c)

term life

d)

cash value

38.

________ ___________ __________ is a whole life insurance policy that is paid up after a specified number of years, or until the insured reaches a certain age, but offers lifetime protection

a)

health maintenance organization

b)

preferred provider organization

c)

limited payment policy

d)

cash value

39.

_________ _________ insurance is a combination of a life insurance policy & a savings acct; it covers the insured for his or her lifetime and any amt the insured pays over the minimum premium goes into an investment acct that earns interest

a)

traditional plan

b)

whole life

c)

term life

d)

universal life