NJ Health Insurance Practice Exam
A service that charges a flat fee for medical care provided at its own clinic is called a:
Select one:
a. Risk Retention Group.
b. Blue Cross/Blue Shield organisation.
c. Health Maintenance organisation.
d. Multiple Employer Trust (MET). - correct answer-c. Health Maintenance organization.
HMOs provide the Health Care coverage, as well as the medical care itself (including
prescription medication). HMO members are allowed to go to hospitals, physicians, or clinics
that are part of the plan, or to outside providers on a referred basis, after seeing the HMO
physician (the gatekeeper physician).
Medicaid is primarily used to:
Select one:
a. Pay for medical expenses of the elderly.
b. Pay medical aid to those injured as the result of tornadoes or other natural disasters.
c. Pay for medical expenses of the needy.
d. Provide supplemental medical expenses for those on Medicare. - correct answer-c. Pay
for medical expenses of the needy.
Medicaid is a joint state and Federal Government program that provides Health care for U.S.
citizens and resident aliens with low income.
Suicide and self-inflicted injuries are examples of policy:
Select one:
a. Exclusions.
b. Supplemental coverages.
c. Riders.
d. Non-Forfeiture clauses. - correct answer-a. Exclusions.
COBRA allows a departing employee to have which of the following conversion privileges
from the Group Health coverage of the company he or she is leaving?
Select one:
a. Allows Life coverage conversion privileges, but no Health policy conversions
b. Remain in the employer's group for a limited period of time
c. Rollover an employer's Group policy into that of another employer
A service that charges a flat fee for medical care provided at its own clinic is called a:
Select one:
a. Risk Retention Group.
b. Blue Cross/Blue Shield organisation.
c. Health Maintenance organisation.
d. Multiple Employer Trust (MET). - correct answer-c. Health Maintenance organization.
HMOs provide the Health Care coverage, as well as the medical care itself (including
prescription medication). HMO members are allowed to go to hospitals, physicians, or clinics
that are part of the plan, or to outside providers on a referred basis, after seeing the HMO
physician (the gatekeeper physician).
Medicaid is primarily used to:
Select one:
a. Pay for medical expenses of the elderly.
b. Pay medical aid to those injured as the result of tornadoes or other natural disasters.
c. Pay for medical expenses of the needy.
d. Provide supplemental medical expenses for those on Medicare. - correct answer-c. Pay
for medical expenses of the needy.
Medicaid is a joint state and Federal Government program that provides Health care for U.S.
citizens and resident aliens with low income.
Suicide and self-inflicted injuries are examples of policy:
Select one:
a. Exclusions.
b. Supplemental coverages.
c. Riders.
d. Non-Forfeiture clauses. - correct answer-a. Exclusions.
COBRA allows a departing employee to have which of the following conversion privileges
from the Group Health coverage of the company he or she is leaving?
Select one:
a. Allows Life coverage conversion privileges, but no Health policy conversions
b. Remain in the employer's group for a limited period of time
c. Rollover an employer's Group policy into that of another employer
