HAN 300 TEST EXAM QUESTIONS AND
ANSWERS 100% PASS 2026/2027
What is the primary reason that a segment of the U.S. population is uninsured?
a. Medicare and Medicaid are the only public insurance programs
b. The U.S. has a voluntary system of health insurance
c. The poor cannot afford health insurance
d. U.S. health insurance is dominated by managed care - ANS The U.S. has a voluntary system
of health insurance
What is the central role of health services financing in the United States?
a. Fund health insurance
b. Underwrite medical risk
c. Support managed care
d. Balance the supply of health care professionals - ANS Fund health insurance
What is the primary mechanism that enables people to obtain health care services?
a. Availability of services
b. Health insurance
c. Payment for services
d. Control of expenditures - ANS Health insurance
@2026 ALLRIGHTS RESERVED 1
,In national health care systems, total expenditures are controlled mainly through
cost shifting
underwriting
supply-side rationing
demand-side rationing - ANS supply-side rationing
In a general sense, what is the primary purpose of insurance?
a. Predicting risk
b. Risk assessment
c. Protection against risk
d. Underwriting - ANS Protection against risk
What is the primary function of insurance?
a. Pay claims on behalf of the insured
b. Underwrite policies
c. Provide comprehensive coverage
d. Protection against catastrophic risk - ANS . Protection against catastrophic risk
What is the main advantage of group insurance?
a. More people can obtain insurance from a single insurer
b. Risk is spread out among a large number of insured
c. More comprehensive services can be covered than under an individual plan
d. The employer has to deal with only one insurance company - ANS Risk is spread out
among a large number of insured
@2026 ALLRIGHTS RESERVED 2
, The majority of beneficiaries receiving health care through Medicare are
a. elderly
b. disabled
c. financially poor
d. those suffering from end-stage renal disease - ANS elderly
For Medicare beneficiaries, the maximum stay in a SNF during a benefit period cannot exceed
a. 30 days
b. 60 days
c. 100 days
d. None of the above - ANS 100 days
he dependents of U.S. military personnel receive health care through
a. CHAMPUS
b. Military Health Services System
c. VHA
d. TriCare - ANS TriCare
Typically, tertiary care:
a. Is highly specialized
b. Does not depend on technology
c. Takes place outside of traditional healthcare facilities
d. All of the above - ANS Is highly specialized
What is gatekeeping?
a. The process by which patients are denied needed care
@2026 ALLRIGHTS RESERVED 3
ANSWERS 100% PASS 2026/2027
What is the primary reason that a segment of the U.S. population is uninsured?
a. Medicare and Medicaid are the only public insurance programs
b. The U.S. has a voluntary system of health insurance
c. The poor cannot afford health insurance
d. U.S. health insurance is dominated by managed care - ANS The U.S. has a voluntary system
of health insurance
What is the central role of health services financing in the United States?
a. Fund health insurance
b. Underwrite medical risk
c. Support managed care
d. Balance the supply of health care professionals - ANS Fund health insurance
What is the primary mechanism that enables people to obtain health care services?
a. Availability of services
b. Health insurance
c. Payment for services
d. Control of expenditures - ANS Health insurance
@2026 ALLRIGHTS RESERVED 1
,In national health care systems, total expenditures are controlled mainly through
cost shifting
underwriting
supply-side rationing
demand-side rationing - ANS supply-side rationing
In a general sense, what is the primary purpose of insurance?
a. Predicting risk
b. Risk assessment
c. Protection against risk
d. Underwriting - ANS Protection against risk
What is the primary function of insurance?
a. Pay claims on behalf of the insured
b. Underwrite policies
c. Provide comprehensive coverage
d. Protection against catastrophic risk - ANS . Protection against catastrophic risk
What is the main advantage of group insurance?
a. More people can obtain insurance from a single insurer
b. Risk is spread out among a large number of insured
c. More comprehensive services can be covered than under an individual plan
d. The employer has to deal with only one insurance company - ANS Risk is spread out
among a large number of insured
@2026 ALLRIGHTS RESERVED 2
, The majority of beneficiaries receiving health care through Medicare are
a. elderly
b. disabled
c. financially poor
d. those suffering from end-stage renal disease - ANS elderly
For Medicare beneficiaries, the maximum stay in a SNF during a benefit period cannot exceed
a. 30 days
b. 60 days
c. 100 days
d. None of the above - ANS 100 days
he dependents of U.S. military personnel receive health care through
a. CHAMPUS
b. Military Health Services System
c. VHA
d. TriCare - ANS TriCare
Typically, tertiary care:
a. Is highly specialized
b. Does not depend on technology
c. Takes place outside of traditional healthcare facilities
d. All of the above - ANS Is highly specialized
What is gatekeeping?
a. The process by which patients are denied needed care
@2026 ALLRIGHTS RESERVED 3
