Exam 3: Health: Health and Dental

Which type(s) of policies fall under the health insurance category?

Individuals who are covered by an HMO will have their __________ serve as their provider for all basic healthcare services.

In a(n) __________ dental plan, enrollees are required to use the services of either pre-selected dentists or an assigned network dentist in order to receive benefits from the plan.

The __________ is the total dollar amount that a dental insurance policy will pay out for care that is incurred by an insured within a set benefit period.

Some features of a dental indemnity plan include:

__________ is the process by which a health insurance company determines whether it will be the primary or secondary payer of benefits for an individual who is insured by more than one plan.

Because the cost of health care services may oftentimes be substantial, health insurance policies may contain a type of stop-loss provision that helps in preventing medical bills from financially devastating policy holders. This feature is known as the __________ provision.

__________ plans focus a great deal on preventive care and early detection and treatment.

Another term for in-network provider is __________.

An example of an "alternative treatment" that would not likely be covered by a health insurance policy is:

The parties to an insurance contract include the __________ and the __________.

HMOs and PPOs are both types of __________ plans.

A(n) __________ dental insurance policy typically allows the insured to choose their dental service provider from a list of providers and works in a similar fashion to the way in which a traditional fee-for-service health care policy works.

The legislation that mandated certain privacy rules and practices for medical care providers and health insurance companies is known as __________. This was also created in an effort to streamline the health care and insurance industries and to protect the identity and privacy of consumers who receive such care.

Health insurance policies that have __________ provisions will require their policy holders to share a certain percentage of the cost of their medical or health care treatment.