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Exam 11: Health,disability,and Long-Term Care Insurance

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Question 51

Multiple Choice

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Medicare medical insurance is:

A) mandatory.
B) financed by corporations.
C) voluntary,and you must sign up for coverage.
D) state supported and partially funded by the National Institutes of Health.
E) paid for by state governments.

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Question 52

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Many employers provide disability income protection for their employees through group insurance plans.

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Question 53

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Which of the following requires large employers to provide health insurance coverage to all employees?

Sophie Bennett has personally paid a total of $6,000 in medical costs this year,which is the out-of-pocket limit listed in her insurance plan.At this point,there is a provision in her insurance contract that requires her insurance company to pay 100% of her medical costs for the remainder of the year.What provision is this likely to be?

The hospital indemnity policy is a good substitute for basic or major medical protection.

Hospital expense insurance pays part or the full amount of hospital bills for room,board,and other charges.

Which provision in a health insurance policy states that you will pay a flat dollar amount each time you receive a covered medical service?

Besides preventive care,HMOs provide a comprehensive range of other health care services.What are they?

Which provision in a health insurance policy explains the circumstances under which the insurance company can end your health insurance policy?

Medicare covers the cost of care received outside the United States,Canada,and Mexico.

Good disability plans pay when you are:

Which of the following is not a way that you can reduce your own medical costs?

What are some things that you can do to reduce your personal health care costs?

If your employer pays the premium for long-term care,then the ________ treats it as a tax-deductible expense for the employer.

Marcia Fuller has an insurance policy that she and her three daughters,ages 5,9,and 11,are entitled to benefits under.Which provision in her insurance policy is defined by this list of covered members?

Physician expense insurance helps pay for physician's care that does not involve surgery.

Which type of insurance is usually bought in combination with hospital expense and surgical expense insurance?

A good health insurance plan should offer basic coverage for hospital and doctor bills.

Every year,what percent of the adult U.S.population suffers a long-term disability?

A recent study by Americans for Long-Term Care Security found that one out of five Americans over age 30 is at risk of needing some form of long-term care within the next 12 months.