Special types of health policies

An insured's long-term Care policy is scheduled to pay a fixed amount of coverage of $120 per day. The long-term care facility only charged $100 per day. How much will the insurance company pay?

$120 a day

Under a nonscheduled plan, what portion of the balance could an insured expect to pay for basic services?

20%

Long term care policies MUST cover

Alzheimer's disease

Which of the following would be considered a routine procedure?

Annual check-up

Because of the history of cancer in her family, Julie purchased a policy that specifically covers the expense of treating cancer. Her policy would be classified as what type of policy?

Dread Disease Policy

An insured does not have to pay co-insurance or deductibles on a full-series mouth x-ray, but does have to pay a deductible to get his cavities filled. Which dental plan does he have?

Non-scheduled

Which type of dental treatment addresses the supporting tissue of teeth?

Periodontics

An insured has dental coverage provided under a comprehensive (nonscheduled) Dental Plan. Which service provided by the plan would NOT require the insured to pay a deductible or copayment?

Preventive Care

Which of the following services would be covered by endodontics?

Root canal

Hospital indemnity/hospital confinement indemnity policy will provide payment based on

The number of days confined in a hospital.

Which of the following is NOT covered under a long-term care policy?

acute care hospital

In a group prescription drug plan, the insured typically pays what amount of the drug cost?

co-payment

Who can provide skilled nursing care?

doctor

In long-term care (LTC) policies, as the benefit period lengthens, the premium

increases

All of the following are activities of daily living EXCEPT

speaking