Exam 9: Insuring Your Health

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -Most commonly,the deductible in a health insurance policy is on [an annual | a per incident] basis.

Bathing is an example of an "activity of daily living" as the term is used in a long term care policy.

Payments under workers compensation are more readily available than are social security disability benefits.

Social security provides health care coverage to persons age ____ and those who are ____.

Health insurance coverage can include

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -A comprehensive health insurance usually covers the cost of anesthetics and their administration.

Disability income benefits under social security will be paid as long as you cannot perform the duties of the job you were holding when the disability began.

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -Hospital insurance will pay daily room and board charges up to a specified number of days and reimbursement for ancillary charges up to a specified dollar amount.

Most group insurance policies require a second opinion for non-surgical procedures.

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -"Long Term Care" is a term used to describe [nursing home | extended hospital].

If your employment is terminated,COBRA provides for

Blue Cross / Blue Shield plans are really hybrid HMOs that allow members to go outside of network.

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -[Men | Women] are more likely to need long-term care insurance.

Your bill for consultation with a specialist would ordinarily be paid by physician's expense insurance.

Miscellaneous sources of health care coverage include

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -When you are hospitalized for surgical care,surgical expense coverage will pay the hospital bill.

The definition of "disability" is standardized in disability income policies.

Major medical plans are characterized by deductibles,internal limits,and

INSTRUCTIONS: Choose the word or phrase in [ ] which will correctly complete the statement.Select A for the first item,B for the second item,and C if neither item will correctly complete the statement. -Loss prevention tactics can be [only marginally | very] successful in reducing accidents and illnesses.

Supplementary Medical Insurance (SMI)provides health care protection beyond basic hospital coverage for