Medical Expense Practice Questions
30 free medical expense questions for the California Life & Health insurance license exam. Pick any question — answer it and get the full 3-part explanation, no signup required.
- 1.Which feature is characteristic of an HMO (health maintenance organization) plan?Difficulty 1/5
- 2.Which statement correctly describes a PPO (preferred provider organization) plan?Difficulty 1/5
- 3.An EPO (exclusive provider organization) plan differs from an HMO primarily in that an EPO:Difficulty 2/5
- 4.Which statement correctly describes a Health Savings Account (HSA)?Difficulty 2/5
- 5.The MOST significant difference between a Flexible Spending Account (FSA) and a Health Savings Account (HSA…Difficulty 2/5
- 6.Under the essential health benefits rules, which statement about pediatric services in individual and small…Difficulty 2/5
- 7.A policy has a $1,000 annual deductible, 80/20 coinsurance, a $50 copay for office visits, and a $5,000 max…Difficulty 2/5
- 8.Which expense is MOST likely to be excluded from coverage under a typical major medical expense policy?Difficulty 1/5
- 9.An insured is covered under two group health plans. The coordination of benefits (COB) provision is designe…Difficulty 2/5
- 10.Under California law, which group size classification is correct for health insurance?Difficulty 2/5CA specific
- 11.In a contributory group health plan, which statement is correct?Difficulty 2/5
- 12.Which statement is correct regarding self-funded association plans sold in California?Difficulty 3/5CA specific
- 13.Under California law, registered domestic partners of employees:Difficulty 2/5CA specific
- 14.The Employee Retirement Income Security Act (ERISA) primarily affects group health insurance by:Difficulty 2/5
- 15.Under the PPACA/Medicaid expansion rules, an adult aged 19-64 in California qualifies for Medi-Cal based on…Difficulty 2/5CA specific
- 16.Under the PPACA metal tier system, which pairing of plan tier and minimum actuarial value is correct?Difficulty 1/5
- 17.An individual is eligible for premium tax credits (APTC) through Covered California if household income is:Difficulty 2/5
- 18.Under PPACA, a child may remain covered under a parent's health plan:Difficulty 1/5
- 19.Under the PPACA medical loss ratio (MLR) rules, which statement is correct?Difficulty 2/5
- 20.What is the difference between the Open Enrollment Period (OEP) and a Special Enrollment Period (SEP) in th…Difficulty 2/5
- 21.Which statement correctly distinguishes Original Medicare from Medicare Advantage (Part C)?Difficulty 1/5
- 22.Which person is eligible for Medicare coverage?Difficulty 2/5
- 23.Under Medicare Part A, what is the 'benefit period' (spell of illness), and what role do the lifetime reser…Difficulty 3/5
- 24.Which statement correctly describes Medicare Part B cost-sharing?Difficulty 2/5
- 25.When a person becomes eligible for Medicare Part B at age 65, the Initial Enrollment Period (IEP) lasts:Difficulty 2/5
- 26.Which statement correctly describes Medigap (Medicare Supplement) insurance?Difficulty 2/5
- 27.A beneficiary enrolled in a Medicare Advantage plan enrolls in a stand-alone Part D prescription drug plan …Difficulty 3/5
- 28.An individual delays enrolling in Medicare Part D for 14 months while having no creditable prescription dru…Difficulty 2/5
- 29.In Medicare Part D, what is the 'coverage gap' (often called the donut hole)?Difficulty 2/5
- 30.HICAP (Health Insurance Counseling and Advocacy Program) is best described as:Difficulty 1/5