Exam 12: Health and Disability Insurance

When considering an HMO or PPO,which of the following questions would you not consider asking regarding the cost of the plan?

Sources of disability income do not include

Disability insurance would probably cost the most for which of the following people?

In most HMOs,if a person sees a specialist without being referred by the primary care physician,the HMO will not pay for the treatment.

Indemnity health plans

An account that allows employees to use pre-tax income to pay for medical expenses is a

Regarding Medicaid,which of the following is true?

Which of the following statements about an HMO is not true?

Which one of the following benefits is most often available through an employer?

Medigap insurance,intended to supplement Medicare,is sold and serviced by the federal government.

Since most workers have employer-sponsored disability coverage and are also eligible for Social Security and worker's compensation,there is very little demand or need for individual disability insurance.

A(n)________ plan requires that individuals pay health care providers and then put in a claim for reimbursement.

Compared to indemnity plans,managed health care plans impose more restrictions on the specific health care providers.

Disability income is

If you are disabled and have insurance,what types of resources,including those from your present job,do you have to cover the waiting period?

Basic health insurance policies and Medicare will not cover stays in nursing homes or assisted living centers for very long.