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Question 1 of 10
1. Question
The limit of dollar beyond which the insurer can not participate in the payment of expenses is the
Correct
When the maximum benefit amount has been paid, the insurer has no further obligations. The limit of dollars beyond which the insurer can not participate in the payment of expenses is the maximum benefit.
Incorrect
When the maximum benefit amount has been paid, the insurer has no further obligations. The limit of dollars beyond which the insurer can not participate in the payment of expenses is the maximum benefit.
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Question 2 of 10
2. Question
The must-do expenses to be paid before major medical benefits begin is the
Correct
This is an example of a deductible. The expenses that must be incurred before major medical benefits begin to be paid is called the deductible.
Incorrect
This is an example of a deductible. The expenses that must be incurred before major medical benefits begin to be paid is called the deductible.
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Question 3 of 10
3. Question
A deductible that runs between the comprehensive coverage of a supplemental policy and the first-dollar coverage of a basic policy is called a
Correct
This is an example of a corridor deductible. A deductible that runs between the first-dollar coverage of a basic policy and the comprehensive coverage of a supplemental policy is called a Corridor deductible.
Incorrect
This is an example of a corridor deductible. A deductible that runs between the first-dollar coverage of a basic policy and the comprehensive coverage of a supplemental policy is called a Corridor deductible.
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Question 4 of 10
4. Question
Which one of the following most likely to be covered under a medical expense policy?
Correct
This is the kind of accident that is almost always covered. The other options reflect situations for which coverage may be limited or excluded.
Incorrect
This is the kind of accident that is almost always covered. The other options reflect situations for which coverage may be limited or excluded.
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Question 5 of 10
5. Question
Which one of the following statements is true for Comprehensive dental policies?
Correct
Comprehensive dental policies are designed much like comprehensive medical policies. So, comprehensive dental policies Work much the same way as comprehensive medical expense coverage.
Incorrect
Comprehensive dental policies are designed much like comprehensive medical policies. So, comprehensive dental policies Work much the same way as comprehensive medical expense coverage.
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Question 6 of 10
6. Question
Which of the following statement is not generally considered nonroutine dental care?
Correct
Annual checkups are routine. Annual checkups and cleaning of teeth, including x-rays to check the teeth’ health, are not generally considered nonroutine dental care.
Incorrect
Annual checkups are routine. Annual checkups and cleaning of teeth, including x-rays to check the teeth’ health, are not generally considered nonroutine dental care.
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Question 7 of 10
7. Question
For non-routine treatments, which of the following a comprehensive dental policy generally pays?
Correct
This is typically how the policy operates. For non-routine treatments, a percentage of the reasonable and customary charges after a deductible is generally paid by a comprehensive dental policy.
Incorrect
This is typically how the policy operates. For non-routine treatments, a percentage of the reasonable and customary charges after a deductible is generally paid by a comprehensive dental policy.
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Question 8 of 10
8. Question
The primary difference between a comprehensive dental plan and a prepaid dental plan is that
Correct
Prepaid plans pay on a capitation basis. So, the primary difference between a comprehensive dental plan and a prepaid dental plan is that comprehensive dental plans pay based on reasonable and customary charges, and prepaid dental plans pay on a capitation basis.
Incorrect
Prepaid plans pay on a capitation basis. So, the primary difference between a comprehensive dental plan and a prepaid dental plan is that comprehensive dental plans pay based on reasonable and customary charges, and prepaid dental plans pay on a capitation basis.
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Question 9 of 10
9. Question
What a Hospital indemnity insurance pays?
Correct
These policies pay a daily income during confinement. A Hospital indemnity insurance pays an income for each day the insured is confined to the hospital.
Incorrect
These policies pay a daily income during confinement. A Hospital indemnity insurance pays an income for each day the insured is confined to the hospital.
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Question 10 of 10
10. Question
Vision care insurance is normally required to cover all of the following except
Correct
Vision care insurance covers routine examinations and maintenance. Regular forms of health insurance cover accidental injuries.
Incorrect
Vision care insurance covers routine examinations and maintenance. Regular forms of health insurance cover accidental injuries.