WorksheetsCh 14
Total questions: 24
Worksheet time: 12mins
Which term refers to a type of cost-sharing in a health insurance policy that requires the insured individual to pay a share of the cost of covered services up to a certain point?
Preauthorization
Coinsurance
Exclusion
Regular medical insurance
Which type of insurance specifically covers eye care and related services?
Dental insurance
Health insurance
Vision care insurance
Comprehensive medical insurance
What is the term used for a marketplace that offers standardized health insurance plans to individuals, families, and small businesses?
Regular medical insurance
Health insurance exchange
Major medical insurance
Preauthorization
What type of insurance is specifically designed to cover the costs associated with long-term medical and non-medical care for individuals with chronic illnesses, disabilities, or other conditions that prevent them from caring for themselves for long periods?
Cancer insurance
Long-term care (LTC) insurance
Shared responsibility payment
Copayment
Which term is used to describe a fixed amount a patient pays for covered health care services, usually when receiving the service?
Shared responsibility payment
Indemnity plan
Health savings account (HSA)
Copayment
Which type of insurance plan provides a cash benefit to the insured if they are diagnosed with cancer, to help cover the costs associated with cancer treatment?
Long-term care (LTC) insurance
Health savings account (HSA)
Cancer insurance
Managed care plan
What does health insurance provide protection against?
Job loss
Theft
Financial loss due to illness or injury
Natural disasters
Who can be considered a dependent in the context of health insurance?
A neighbor
A child, a spouse, or an elderly parent
A distant relative
A co-worker
What is a deductible in health insurance?
A fixed fee for a medical service
The amount paid after insurance covers its share
The amount that must be paid before the insurance starts to pay
The total cost of health insurance per year
What is coinsurance?
A fixed annual fee for health insurance
The percentage of medical expenses paid by the insurance
The percentage of the service costs that patients pay after the annual deductible is met
The total amount of money that can be spent on medical services in a year
What is an exclusion in the context of health insurance?
A medical service that is fully covered by an insurance plan
A medical service that is not covered in an insurance plan
A discount provided by the insurance company
A bonus coverage for regular health check-ups
Which of the following is an example of an exclusion?
Emergency medical services
Elective cosmetic surgery
Vaccination programs
General physician consultations
What is a preexisting condition in the context of health insurance?
A new illness diagnosed after signing up for health insurance
A routine check-up requirement
An illness or an injury a person has before signing up for health insurance
A health condition that is covered by insurance
What is a preauthorization in the context of health insurance?
A confirmation of payment after medical procedures are completed
An approval from the plan before receiving certain procedures and treatments
A review of medical expenses by the patient
A medical assessment performed by a doctor before treatment
What is an inpatient?
A person who is treated at home
A person whose care does not require staying in a hospital
A person whose care requires a stay in a hospital
A person who only needs outpatient tests
What is comprehensive medical insurance?
Insurance that covers only basic medical needs
Insurance that combines basic and major medical protection in one policy
Insurance that provides coverage for injuries only
Insurance that is limited to high-cost procedures
What services are typically covered by vision care insurance?
Teeth cleaning and dental exams
Surgery and hospital stays
Eye exams, glasses, and contact lenses
Prescription medications and physical therapy
What is another way that health insurance can be purchased apart from group health insurance?
Family health insurance
Individual health insurance
Pet health insurance
Life insurance
Group health insurance is usually offered through which of the following?
Only through an employer
An employer, union, or trade association
Solely through a trade association
Only online marketplaces
Group plan rates for health insurance usually cost _______ than individual policies for the same amount of coverage.
more
the same as
less
twice as much as
Individual health insurance policies are generally:
Less expensive than group plans and offer more benefits
More expensive than group plans and offer fewer benefits
The same price as group plans and offer the same benefits
Less expensive than group plans and offer the same benefits
What may be required as part of an individual health insurance application?
A medical history questionnaire only
A complete physical exam only
Medical tests or a complete physical exam
A letter of recommendation from a doctor
Who usually qualifies for reasonable premiums in individual health insurance?
Elderly applicants with chronic health problems
Healthy, young applicants
People with serious injuries
All applicants regardless of health or age
Who may pay high premiums for individual health insurance?
Healthy, young applicants
Applicants with no medical history
People with serious injuries, illnesses, or chronic health problems
Applicants who complete a physical exam
