Exam 3: Health: Health and Dental

Insurance policies are considered to be __________, meaning that they are dependent on an uncertain or chance event or outcome so that one of the parties may receive more in value than they give in value to the other party to the contract.

If an individual suffers an injury due to an act of war that requires several months of rehab therapy, will this therapy likely be covered under his or her individual health insurance policy?

__________requires that medical or dental treatment must first be approved by the insurance plan prior treatment being rendered in order for the plan to pay out benefits for such services.

A statement addressed to a beneficiary and written by a third party payer, that indicates which benefits and charges will and will not be covered under a dental benefits plan after a claim has been reported, is known as a(n) __________.

_____ allows continued access to group health insurance coverage for former employees and/or other eligible family members for a certain amount of time.

When an insured visits their doctor for an annual check-up, typically the cost of their __________ will be paid at the time of the office visit.

The time referred to as the __________ begins with an insured's effective date of coverage and represents the time during which their health insurance will not provide benefits for pre-existing conditions.

A __________ may be used in conjunction with a high-deductible health insurance policy for the purpose of saving and paying for unreimbursed health care related expenses.

If an individual is seeking a health insurance policy that will cover them in the event of a major illness or accident, yet does not want coverage for regular check-ups, has a low premium in return for a high deductible, but does not cover regular check-ups, what type of plan should they consider?

Even if an individual owns a health insurance policy, it is likely that there will be "gaps" in coverage and other expenses that are not covered. In order to help fill in some of these gaps with additional coverage, an individual may wish to purchase __________.

Insurance policy __________ help(s) to protect insurers from having to pay for small losses.

COBRA coverage includes which of the following:

Doctors and other health care providers that accept an insured's health insurance plan are considered to be __________ providers.

Most group health insurance plans will stipulate that if an employee is not considered to be __________ on the day that the policy goes into effect, then the coverage will not start until the employee returns to work.

The type of long-term care insurance policy that pays a policy holder a fixed amount of dollars per day, up to a specific amount of total benefits, regardless of the expense that is incurred is considered a(n) __________ plan.

Once the out-of-pocket maximum has been reached in a given year, an insured's health insurer will compensate them for __________ of their health care costs.

With a(n) __________ dental insurance plan, the insured will be reimbursed for a set dollar amount that is based upon a certain fee schedule for services.

Dentists who are part of a __________ typically agree to serve patients at reduced rates.

The __________ is known as the dollar amount that a participating dentist has agreed to accept as payment in full from an insurance provider and the patient.

Most dental insurance policies will cover __________ procedures completely or require just a small payment from the patient.