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Test Your Insurance Knowledge

Multiple Choice

1. TRICARE was implemented for what type of individuals?

a. Secondary insurance for retired military personal with Medicare Part A & B

b. Surviving spouse or child of miliatry member who died in the line of duty

c. Active duty members of the uniformed services and their families

d. Spouse or child of vetern who has been rated permanently and totally disabled

2. This type of workers compensation would be a abnormal conditions or disorders caused by exposure to enviromental factors. Examples of these could be exposure to a chemical, inhalation, ingestion or direct exposure.

a. Industrial accident

b. Occupational illness

c. Occupational Safety and Health Administration

d. Federal Employment Liability Act

3. Federal employees can have insurance benefits for enrollees and dependents called FEP and underwritten by which insurance company?

a. Principle Mutual Insurance

b. State Workers Compensation

c. United Healthcare

d. Blue Cross Blue Shield

4. What is the type of insurance is used for reimbursement for loss of income as a result of a temporary or permanent illness or injury?

a. Health insurance

b. Disability insurance

c. Liability insurance

d. None of the above, it would always fall under workers compensation

5. What is the type of insurance that provides health care by controlling cost through a network of physicians, hospitals and ancilliary services with plans such as PPOs, EPOs, POSs, etc.?

a. Managed Care Plans

b. Indeminity Plans

c. Blue Cross Blue Shield

d. Workers Compensation

6.

A patient may choose to have Out-of-Network Services that is permitted within their insurance plan, what does this mean?

a. Choosing a provider for services that are not contracted with the insurance company and typically the patient will pay more
          out-of-pocket expenses

b. When a patient is seen out-of-state for any medical services

c. Choosing a contracted provider for services without a referral from their primary care physician

d. Answers b and c

7. What is the name of the insurance that covers employees that resign, are laid-off, or has a reduction in hours and can continue with insurance coverage for 18-36 months?

a. Disability Insurance

b. Coordination of Benefits

c. Consolidated Omnibus Budget Reconciliation Act

d. Employer Group Health Plans

8. Which one of the following is not a TRICARE healthcare plan option?

a. TRICARE Prime

b. TRICARE Extra

c. TRICARE Active

d. TRICARE Standard

9. What is the name of the organization that protects the consumer from insurance fraud and unresolved insurance claims?

a. State Insurance Commissioner

b. State Workers Compensation Board

c. OSHA

d. COBRA

10. What is the type of disability that covers healthcare treatment for illness and injuries, loss of wages? The employee’s wages is totally lost but only for a temporary basis.

a. Temporary total disability

b. Temporary partial disability

c. Permanent total disability

d. Permanent partial disability

 

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