CEBS GBA 2 Practice Exam Questions | Group Benefits Associate Study & Certification Prep (PDF)

CEBS GBA 2 PRACTICE EXAM
QUESTIONS | GROUP BENEFITS
ASSOCIATE STUDY &
CERTIFICATION PREP
2026

, ACCORDING TO THE RAND HEALTH INSURANCE EXPERIMENT, WHICH VARIABLE HAS THE
GREATEST POWER IN EXPLAINING HEALTH EXPENDITURES?

 A.) WELFARE ELIGIBILITY
 B.) PRIOR UTILIZATION
 C.) PHYSICAL HEALTH (BASED ON SELF-REPORTED MEASURES)
 D.) GENERAL HEALTH (BASED ON SELF-REPORTED MEASURES)
 E.) MENTAL HEALTH (BASED ON SELF-REPORTED MEASURES)
 B.) PRIOR UTILIZATION


 A PROVISION IN SOME GROUP LIFE INSURANCE PLANS THAT PROVIDES FOR THE PAYMENT
OF ALL OR PART OF THE DEATH BENEFIT IN THE EVENT OF THE INSURED'S TERMINAL
ILLNESS IS CALLED:

 A.) ACCELERATED DEATH BENEFITS
 B.) WAIVER OF PREMIUMS
 C.) MATURITY VALUE BENEFITS
 D.) CONTINUATION-OF-PROTECTION
 E.) ASSIGNMENT
 A.) ACCELERATED DEATH BENEFITS


 WHAT REASONS ARE GIVEN FOR THE SILVER PLAN BEING A POPULAR CHOICE AMONG ALL
THE AFFORDABLE CARE ACT (ACA) HEALTH PLANS?

 A.) THE SILVER PLAN HAS THE GREATEST ACTUARIAL VALUE OF ALL THE PLANS.
 B.) COST-SHARING SUBSIDIES TO LOWER OUT-OF-POCKET COSTS ARE AVAILABLE ONLY TO
PEOPLE WHO SELECT THE SILVER PLAN.
 C.) THE SILVER PLAN HAS THE GREATEST BENEFITS, EVEN MORE THAN THE GOLD AND
PLATINUM PLANS.
 D.) THE SILVER PLAN HAS THE LOWEST OUT-OF-POCKET COSTS OF ANY PLAN EVEN BEFORE
ANY SUBSIDIES.
 E.) MANY PEOPLE SELECT THE SILVER PLAN BECAUSE THEY ARE NOT ELIGIBLE FOR THE GOLD
OR PLATINUM PLANS.
 B.) COST-SHARING SUBSIDIES TO LOWER OUT-OF-POCKET COSTS ARE AVAILABLE ONLY TO
PEOPLE WHO SELECT THE SILVER PLAN.


 WHICH OF THE FOLLOWING MEASURES OF COST IS GENERALLY USED BY ANALYSTS WHEN
THEY ARE EXAMINING THE IMPACT OF INSURANCE PREMIUMS ON EMPLOYEES' CHOICE OF
HEALTH INSURANCE PLANS?

 A.) THE LOADING PERCENTAGE
 B.) THE TOTAL GROSS PREMIUM

, C.) THE INSURER'S PROFIT
 D.) THE EMPLOYEE'S OUT-OF-POCKET PRICE
 E.) THE EXPECTED FUTURE GROSS PREMIUM
 D.) THE EMPLOYEE'S OUT-OF-POCKET PRICE


 WHICH OF THE FOLLOWING STATEMENTS REGARDING RECOGNITION AS A PATIENT-
CENTERED MEDICAL HOME (PCMH) IS CORRECT?

 A.) THE ONLY ORGANIZATION THAT CAN OFFICIALLY RECOGNIZE A PCMH IS THE FEDERALLY
QUALIFIED HEALTH CENTER DEMONSTRATION.
 B.) THE ONLY ORGANIZATION THAT CAN OFFICIALLY RECOGNIZE A PCMH IS THE NATIONAL
COMMITTEE FOR QUALITY ASSURANCE (NCQA).
 C.) NO SINGLE ORGANIZATION IS RESPONSIBLE FOR RECOGNIZING PCMHS.
 D.) THE MAIN ORGANIZATION THAT RECOGNIZES PCMHS IS THE JOINT COMMISSION AND
THE ACCREDITATION COMMISSION FOR HEALTH CARE.
 E.) A PCMH CAN BE RECOGNIZED ONLY BY THE STATE IN WHICH IT IS DOMICILED.
 C.) NO SINGLE ORGANIZATION IS RESPONSIBLE FOR RECOGNIZING PCMHS.


 WHICH OF THE FOLLOWING STATEMENTS REGARDING PRIVATE HEALTH INSURANCE
EXCHANGES AND SMALL BUSINESS HEALTH OPTIONS PROGRAM (SHOP) EXCHANGES IS
CORRECT?

 A.) A LOT OF EVIDENCE HAS BEEN PRODUCED TO SHOW THAT PRIVATE EXCHANGES HAVE
BEEN DESIGNED TO MAKE IT EASIER FOR SMALL BUSINESS TO SELF-INSURE.
 B.) THE INCOME TAX INCENTIVES PREVIOUSLY PROVIDED TO SMALL EMPLOYERS IN THE
SHOP PROGRAM HAVE EXPIRED.
 C.) RECENTLY STATES WERE GIVEN THE OPTION OF MAKING SHOP EXCHANGES
MANDATORY FOR ALL EMPLOYERS WITH FEWER THAN 200 EMPLOYEES.
 D.) PRIVATE EXCHANGES COULD AFFECT SHOP EXCHANGES BY SIPHONING ENROLLMENT
FROM THEM AND THEREBY REDUCING REVENUE (ADMINISTRATIVE FEES) CRITICAL TO
SHOPS' FINANCIAL VIABILITY.
 E.) UNLIKE PRIVATE EXCHANGES, SHOP EXCHANGES DO NOT HAVE THE ABILITY TO OFFER
SMALL EMPLOYERS A NUMBER OF PLAN CHOICES.
 D.) PRIVATE EXCHANGES COULD AFFECT SHOP EXCHANGES BY SIPHONING ENROLLMENT
FROM THEM AND THEREBY REDUCING REVENUE (ADMINISTRATIVE FEES) CRITICAL TO
SHOPS' FINANCIAL VIABILITY.


 WHAT IS THE WAITING PERIOD FOR SOCIAL SECURITY DISABILITY INCOME (SSDI) BENEFITS?

 A.) ONE MONTH
 B.) THREE CONSECUTIVE MONTHS
 C.) FIVE CONSECUTIVE MONTHS
 D.) SIX CONSECUTIVE MONTHS

,  E.) TWELVE CONSECUTIVE MONTHS
 C.) FIVE CONSECUTIVE MONTHS


 "DESKTOP MEDICINE" IS A FULLY INTEGRATED APPROACH USING INFORMATION
TECHNOLOGY WHOSE PRIMARY GOAL IS TO:

 A.) RECRUIT PROSPECTIVE HEALTH PLAN SUBSCRIBERS
 B.) HELP TRACK PATIENTS THROUGH THEIR PLAN OF CARE
 C.) ENCOURAGE PATIENT SELF-DIAGNOSIS USING THE INTERNET
 D.) GATHER HEALTH STATUS METRICS FOR LARGE PATIENT POPULATIONS
 E.) EXPEDITE HEALTH PROVIDER USE OF TECHNOLOGY
 B.) HELP TRACK PATIENTS THROUGH THEIR PLAN OF CARE


 UNTIL NOW, THE BIGGEST SOURCE OF COST SAVINGS WITH PRIVATE HEALTH INSURANCE
EXCHANGES HAS BEEN:

 A.) TRANSITION TO THE DEFINED CONTRIBUTION APPROACH
 B.) INCREASED USE OF TECHNOLOGY
 C.) EMPLOYEES CHOOSING LESS GENEROUS PLANS
 D.) BETTER HEALTH EDUCATION OF EMPLOYEES
 E.) ELIMINATION OR REDUCTION IN ADMINISTRATIVE WASTE
 C.) EMPLOYEES CHOOSING LESS GENEROUS PLANS


 OUT-OF-NETWORK HEALTH CARE ACCOUNTS FOR APPROXIMATELY WHAT PERCENTAGE OF
TOTAL COVERED HEALTH INSURANCE EXPENSES?

 A.) 3
 B.) 10
 C.) 20
 D.) 25
 E.) 30
 B.) 10


 THE MAJOR ADVANTAGE OF TERM INSURANCE FOR THE POLICYOWNER IS THE FACT THAT:

 A.) A SUBSTANTIAL AMOUNT OF LIFE INSURANCE CAN BE PURCHASED FOR RELATIVELY
MODEST PREMIUMS
 B.) IT PROVIDES LIFETIME PROTECTION IF THE INSURED CONTINUES TO PAY THE PREMIUMS
 C.) THE PREMIUMS REMAIN AT THE SAME LEVEL FOR THE LIFE OF THE INSURED
 D.) WITH A POLICY RIDER IT CAN BE USED TO PROVIDE RETIREMENT
 E.) PREMIUMS ARE HIGHLY COMPETITIVE ESPECIALLY FOR THOSE AT OLDER AGES