life and health Ch. 6

Réussis tes devoirs et examens dès maintenant avec Quizwiz!

COBRA applies to employers with at least A 50 employees. B 20 employees. C 80 employees. D 60 employees.

B 20 employees.

Regarding long-term care coverage, as the elimination period gets shorter, the premium A Gets lower. B Gets higher. C Remains constant. D Premiums are not based on elimination periods.

B Gets higher.

Which of the following would basic medical expense coverage NOT cover? A Hospice B Surgeon's services C Mental illness D Maternity

B Surgeon's services

Most policies will pay the accidental death benefits as long as the death is caused by the accident and occurs within A 30 days. B 60 days. C 90 days. D 120 days.

C 90 days.

All of the following statements concerning Accidental Death and Dismemberment coverage are correct EXCEPT A Dismemberment benefits are paid for certain disabilities that are presumed to be total and permanent. B Accidental death and dismemberment insurance is considered to be limited coverage. C Death benefits are paid only if death occurs within 24 hours of an accident. D Accidental death benefits are paid only if death results from accidental bodily injury as defined in the policy.

C Death benefits are paid only if death occurs within 24 hours of an accident.

Most LTC plans have which of the following features? A Variable premiums B Open enrollment C Guaranteed renewability D No elimination period

C Guaranteed renewability

In which of the following locations would skilled care most likely be provided? A In an outpatient setting B At a physician's office C In an institutional setting D At the patient's home

C In an institutional setting

A typical Accidental Death & Dismemberment policy covers all of the following losses EXCEPT A Limb. B Life. C Income. D Eyesight.

C Income.

Which of the following is NOT covered under Basic Hospital Expense Coverage? A Lab charges B X-ray charges C Surgeons' fees D Hospital room and board

C Surgeons' fees

Which is NOT a characteristic of group health insurance? A Dependents of insureds can be covered under group health plans. B Group coverage may be converted to individual coverage if the group contract is ended. C The actual policy is called the "master contract". D A policy is issued to each insured individual.

D A policy is issued to each insured individual.

Which of the following is another name for a primary care physician in an HMO? A Subscriber B Referring physician C Specialist D Gatekeeper

D Gatekeeper

Under which of the following organizations are the practicing providers compensated on a fee-for-service basis? A HMO B Blue Cross/Blue Shield C Open panel D PPO

D PPO

Your client wants to know what the tax implications are for contributions to a Health Savings Account. You should advise her that the contributions are A Subject to personal income taxes. B Post-tax dollars. C Subject to capital gains taxes. D Tax deductible.

D Tax deductible.

Which of the following is true regarding optional benefits with long-term care policies? A Only standard benefits are available with LTC policies. B They are offered at no additional cost to the insured. C They are included in all policies. D They are available for an additional premium.

D They are available for an additional premium.

All of the following long-term care coverages would allow an insured to receive care at home EXCEPT A Respite care. B Home health care. C Skilled care. D Custodial care in insured's house.

skilled care


Ensembles d'études connexes

Chapter 10- Stockholders' Equity

View Set

mastering environmental science: human population

View Set