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PF 7.01
Test Description: 7.01 questions and vocab
Instructions: Answer all questions to get your test result.
1) What is a beneficiary?
A
The length of time it takes an insurance policy to reach it full value
B
A group or individual selected to receive the assets of a person when he/she dies
C
The amount of money payable to a beneficiary as a death benefit when an insured dies
D
A doctor who provides general medical care and coordinates other health care.
2) What is a deductible?
A
A written contract stating the arrangement between insured and insurer+
B
A fee paid to an insurance company on a regular basis for coverage
C
Potential risks and losses against which an insured is protected by a policy
D
An initial amount paid by insured for a loss before insurance compensations begin
3) What is worker\'s compensation?
A
A patient’s right to restart coverage annually
B
An illness or injury that a person has at the time he/she enrolls in a health care plan
C
Employers are required to have in every state in some form. Covers medical care at work.
D
An illness or injury that leaves a person unable to work
4) What is an HMO?
A
Preferred providers organization---an agreement between health providers with empoloyers or insurers
B
Health management organizaiton---a health care group that provides health care services to members
C
Provides compensation for losses due to injury, illness, or disability
D
An illness or injury that leaves a person unable to work
5) What is COBRA?
A
A fee paid to an insurance company on a regular basis for coverage
B
An illness or injury that a person has at the time he/she enrolls in a health care plan
C
May be purchased by Medicare recipients to cover part/all expenses not covered by Medicare.
D
A federal law that someone who leaves employment may be eligible to keep insurance coverage insuranc
6) What is a risk?
A
Uncertain, unpredictable factors that can lead to losses or damages
B
A consumer who has purchased an insurance policy
C
An initial amount paid by insured for a loss before insurance compensations begin
D
Provides compensation for losses due to injury, illness, or disability
7) Mark must pay $500 in approved medical expenses before his insurance policy will make any payments. Which feature of health insurance is this?
A
deductible
B
preauthorization
C
coverage
D
exclusion
8) Angela’s employer announced a new health insurance plan that requires all medical services be arranged through a primary care physician. Which type of health insurance program?
A
Health Management Organization (HMO)
B
Point of Service (POS)
C
Health Savings Account (HSA)
D
Preferred Provider Organization (PPO)
9) Susan is 22, single, and living on her own. She hopes to marry and have children someday. Term insurance has which advantage?
A
convertible
B
permanent
C
cash value
D
low cost
10) Alex has insurance that will cover the three months of nursing home care he will need after his automobile accident. Which type of insurance is this?
A
major medical
B
medigap
C
long term care
D
disability
*select an answer for all questions
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