Psy 270 Week 2 Health Care Question Paper
1. Medicaid covers E. All of these
2. Katrina was injured in an accident at work. The benefits she will received to cover part of her income will come from E. workers compensation
3. This health insurance provision lets your insurer make direct payments to your doctor or hospital A. assigned benefits
4. Which of the following is correct about your health plans summary plan description D. all of these are correct
5. How many people in the United States do not have health insurance E. over 50 million
6. This health insurance provision sets limits on the amount of repayment for certain services D. internal limits
7. Jacob is concerned that his out-of-pocket health care expenses will be quite high, so he is considering adding contributions …show more content…
to a tax-free account that he can use with his high-deductible policy to cover catastrophic expenses. What kind of plan does he have C. HAS
8. Disability income insurance plans can offer benefits D. All of these are possibilities
9.
Miguel is concerned that the health insurance option he is considering plays upon unrealistic fears. He is most concerned about an E. dread disease policy.
10. Which of the following is INCORRECT about dread disease policies B. Each policy covers a wide range of conditions
11. Mark was severely injured while on vacation and expects to be unable to work for at least 12 months. Because of his injury, he should expect to be eligible for disability income from D. Social Security.
12. A health insurance policy with this provision lists coverage in terms of services, not dollar amounts E. service benefits
13. Individuals over the age of 65 who are eligible for federal government health plan coverage may also be interested in purchasing more coverage called D. medigap
14. Which of the following is NOT correct B. Victims of accidents and crimes require fewer emergency medical services than in the past—SHOULD BE CORRECT
15. Jenny wants health insurance that limits the amount that she must pay before the insurance starts paying benefits. She is concerned about a A. deductible
16. This type of plan combines features of HMOs and PPOs. It uses a network of participating physicians and medical professionals who have contracted to provide services for certain fees. D. point of service
plan
17. Who is most likely to use a home health care agency D. an elderly neighbor
18. Anna contributes pretax dollars to an account managed by her employer for her health care expenses. If she does not spend all of her money by the end of the year, she my forfeit it. What kind of plan does she have A. FSA
19. If you are concerned that you disability insurer may try to cancel your coverage if your health becomes poor, you should look for a plan that offers D. guaranteed renewability
20. Monica’s employer offers a health insurance plan with a very high deductible. In addition, her employer provided a fund for her to spend specifically on health care. What kind of plan does she have B. HRA
21. Fran is interested in purchasing health insurance that limits the total out-of-pocket amount that she will have to pay. She should consider a C. stop-loss provision
22. The type of health insurance coverage that may cover routine doctor visits, X-rays, and lab tests is D. physician expense
23. Yvonne’s employer offers a health plan that has a group of doctors and hospitals that agree to provide specified medical services to members at a prearranged fees. This health plan offers some flexibility since members can either visit a physician from a list or go to their own doctors. What kind of plan does her employer offer E. Preferred provider organization (PPO)
24. Which of the following about individual health insurance policies is NOT correct? D. all insurance companies that offer this type of policy are required to charge the same rates.
25. This type of health insurance coverage that takes up where basic health insurance coverage leaves off is E. major medical expense
26. The average per employee cost for health care in 2012 was more than C. $8900
27. COBRA stands for C. consolidated omnibus budget reconciliation act
28. Under the 2010 health care reform law, which of the following is NOT correct C. employers must offer continuing coverage through COBRA for up to 24 months after you leave your job
29. A quality health insurance plan should do all of the following except E. provide a lifetime maximum level of coverage of up to $50,000
30. Jack needs comprehensive medical coverage; however, his income is quite low. What plan should he investigate C. Medicaid
31. Which of the following is INCORRECT D. a bad disability policy pays you if you cannot work at your regular job.
2. Katrina was injured in an accident at work. The benefits she will received to cover part of her income will come from E. workers compensation
3. This health insurance provision lets your insurer make direct payments to your doctor or hospital A. assigned benefits
4. Which of the following is correct about your health plans summary plan description D. all of these are correct
5. How many people in the United States do not have health insurance E. over 50 million
6. This health insurance provision sets limits on the amount of repayment for certain services D. internal limits
7. Jacob is concerned that his out-of-pocket health care expenses will be quite high, so he is considering adding contributions …show more content…
to a tax-free account that he can use with his high-deductible policy to cover catastrophic expenses. What kind of plan does he have C. HAS
8. Disability income insurance plans can offer benefits D. All of these are possibilities
9.
Miguel is concerned that the health insurance option he is considering plays upon unrealistic fears. He is most concerned about an E. dread disease policy.
10. Which of the following is INCORRECT about dread disease policies B. Each policy covers a wide range of conditions
11. Mark was severely injured while on vacation and expects to be unable to work for at least 12 months. Because of his injury, he should expect to be eligible for disability income from D. Social Security.
12. A health insurance policy with this provision lists coverage in terms of services, not dollar amounts E. service benefits
13. Individuals over the age of 65 who are eligible for federal government health plan coverage may also be interested in purchasing more coverage called D. medigap
14. Which of the following is NOT correct B. Victims of accidents and crimes require fewer emergency medical services than in the past—SHOULD BE CORRECT
15. Jenny wants health insurance that limits the amount that she must pay before the insurance starts paying benefits. She is concerned about a A. deductible
16. This type of plan combines features of HMOs and PPOs. It uses a network of participating physicians and medical professionals who have contracted to provide services for certain fees. D. point of service
plan
17. Who is most likely to use a home health care agency D. an elderly neighbor
18. Anna contributes pretax dollars to an account managed by her employer for her health care expenses. If she does not spend all of her money by the end of the year, she my forfeit it. What kind of plan does she have A. FSA
19. If you are concerned that you disability insurer may try to cancel your coverage if your health becomes poor, you should look for a plan that offers D. guaranteed renewability
20. Monica’s employer offers a health insurance plan with a very high deductible. In addition, her employer provided a fund for her to spend specifically on health care. What kind of plan does she have B. HRA
21. Fran is interested in purchasing health insurance that limits the total out-of-pocket amount that she will have to pay. She should consider a C. stop-loss provision
22. The type of health insurance coverage that may cover routine doctor visits, X-rays, and lab tests is D. physician expense
23. Yvonne’s employer offers a health plan that has a group of doctors and hospitals that agree to provide specified medical services to members at a prearranged fees. This health plan offers some flexibility since members can either visit a physician from a list or go to their own doctors. What kind of plan does her employer offer E. Preferred provider organization (PPO)
24. Which of the following about individual health insurance policies is NOT correct? D. all insurance companies that offer this type of policy are required to charge the same rates.
25. This type of health insurance coverage that takes up where basic health insurance coverage leaves off is E. major medical expense
26. The average per employee cost for health care in 2012 was more than C. $8900
27. COBRA stands for C. consolidated omnibus budget reconciliation act
28. Under the 2010 health care reform law, which of the following is NOT correct C. employers must offer continuing coverage through COBRA for up to 24 months after you leave your job
29. A quality health insurance plan should do all of the following except E. provide a lifetime maximum level of coverage of up to $50,000
30. Jack needs comprehensive medical coverage; however, his income is quite low. What plan should he investigate C. Medicaid
31. Which of the following is INCORRECT D. a bad disability policy pays you if you cannot work at your regular job.