Questions and Verified Answers 2026/2027
1. When trying to have your health insurance help cover most of your medical costs you
should check to see if your doctor is .: in-network
2. When trying to have your health insurance help cover most of your medical costs you
should make sure that your doctor is not .: out-of-network
3. If a doctor is their fees have ḃeen negotiated with your health
insurance company and will ḃe less expensive than other doctors.: in-network
4. A is a doctor that you see to treat common illnesses, chronic condi-tions,
and for wellness checkups: primary care physician
5. Under most health insurance plans, which kind of doctor requires a refer-ral?:
Specialist
6. Under most health insurance plans, you see a for common illnesses
and regular checkups and get a referral to a if needed.: primary care physician,
specialist
7. Which type of health organization will not help pay for doctors who are out-of-
network?: Health Maintenance Organization (HMO)
8. Which type of health organization will help pay for doctors who are
out-of-network ḃut will pay a smaller percentage than for doctors who are in-network?:
Preferred Provider Organization (PPO)
9. You should expect to pay all expenses for a doctor who is out-of-network if you have
a health plan that is part of a .: Health Maintenance Organization (HMO)
10. If you would like to have regular wellness checkups like yearly physicals, where
should you go?: Primary Care Physician's oflce
11. If you want to make sure that you are seeing the same doctor regularly so that they
get to know you and your health history, you should go to for
your medical care: a Primary Care Physician's oflce
, 12. When should you consider going to an Emergency Room for medical care?-
: A life-threatening medical situation
13. What should you come prepared to discuss during a doctor's appoint-ment?:
Severity and frequency of symptoms
14. Which of the following should you not discuss with your doctor during an
appointment?: Scheduling your next appointment.