Exam 11: Health,disability,and Long-Term Care Insurance

Darren Chase has an insurance policy that will only pay for a maximum of 60 days of hospitalization during a year.Which provision in his insurance policy would specify this?

A good health insurance plan should impose no unreasonable exclusions.

Health insurance is not available from:

Which health insurance plan directly employs or contracts with selected physicians to provide managed health care services in exchange for a fixed,prepaid monthly premium?

With disability income insurance,benefits usually begin:

Services that may be available in your community to help meet long-term care needs include:

Basic health insurance coverage includes hospital expense insurance,surgical expense insurance,and physician expense insurance.

Which of the following factors has not contributed to rising health costs?

Care in a skilled nursing facility beyond 100 days per benefit period is approved and covered by Medicare.

Why does health care cost so much?

Which one of the following is true regarding group health insurance?

What is one of the best ways for you to avoid the high cost of illness?

In the U.S.,administrative costs consume nearly ________ percent of health care dollars.

Which health insurance policy pays benefits only when you are hospitalized,but pays these benefits in cash which you can use for medical,nonmedical,or supplementary expenses?

Good disability plans pay when you are unable to work at your regular job; poor disability plans pay only when you are unable to work at any job.

Which of the following is not listed in your book as offering group health insurance plans?

Blue Cross plans provide for surgical and medical services performed by physicians.

Dean Thomas has an insurance policy that cannot be cancelled unless he fails to pay his premium when due.Which provision in his insurance policy would specify this?

Identify the sources of health care insurance.

Generally,disability income policies with shorter waiting periods have lower premiums.