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Chapter 8 Quiz
Answer each question below. Select a choice to see immediate feedback and an explanation before moving on to the next question.
The health insurance policy designed to provide periodic payments when an insured is unable to work because of sickness or injury is referred to as:
A man loses a leg in a car accident — both the accident and the loss were unexpected. This scenario illustrates payment based on:
Under a typical major medical coinsurance arrangement of 80/20, after the deductible is satisfied, what percentage of expenses does the insured pay?
A provision stating that only one deductible applies when more than one family member is injured in the same accident is known as the:
Under the gatekeeper concept used by many managed care plans, a member must first see:
Which of the following is NOT one of the 5 basic characteristics of a true managed care plan?
A noncancellable health policy differs from a guaranteed renewable policy in that:
Blue Cross and Blue Shield plans are best classified as:
Under a PPO, a member who visits a physician NOT on the approved provider list will typically:
A dread disease policy that pays a scheduled, fixed-dollar benefit for a specific illness such as cancer is an example of a:
The primary purpose of health insurance underwriting is to:
Which source of underwriting information is generally considered the best for accurate information on an applicant's medical history?
Before an insurer may require an applicant to take an HIV test, the insurer must first:
An applicant who is rated substandard due to a dangerous avocation may still be offered coverage by the underwriter through which of the following?
In the rate-making formula, subtracting expected interest earnings from the mortality cost produces the:
Upon receipt of a written proof of loss, an insurer must generally pay a death claim: