Pearson Vue National Health Insurance
Practice Test Questions and Answers
Latest Version Already Graded A
What does a deductible represent in a health insurance policy?
✔✔ A. The amount the insured pays before the insurer begins to pay
B. The monthly premium
C. The full policy value
D. The payment made by the insurer directly to the beneficiary
Which of the following best describes coinsurance?
A. A refund from the insurer
✔✔ B. The percentage shared between the insurer and the insured after the deductible
C. A grace period
D. A form of Medicaid coverage
A health savings account (HSA) must be paired with which type of health plan?
A. Medicare Advantage
B. PPO
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,✔✔ C. High-deductible health plan (HDHP)
D. HMO
What is the primary benefit of an HMO plan?
✔✔ A. Lower out-of-pocket costs with managed care
B. Full freedom to see any doctor
C. Unlimited prescription refills
D. Pays cash value after 10 years
What is the function of a primary care physician in managed care?
A. Issues insurance policies
B. Processes claims
✔✔ C. Coordinates patient care and provides referrals
D. Pays premiums
In the event of an accidental injury, what kind of policy provides specific coverage?
✔✔ A. Accident-only policy
B. Major medical
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,C. Long-term care insurance
D. Term life insurance
What is the maximum benefit period commonly offered by short-term disability insurance?
A. 10 years
B. Lifetime
✔✔ C. 6 months to 2 years
D. Until age 65
What type of policy pays a fixed benefit per day when the insured is hospitalized?
A. Term life
✔✔ B. Hospital indemnity policy
C. PPO
D. Long-term care policy
Which of these is typically NOT covered by a basic medical expense policy?
✔✔ A. Long-term custodial care
B. Surgical procedures
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, C. Doctor visits
D. Emergency room care
When does the free-look period for individual health insurance policies typically begin?
A. On the date of policy application
✔✔ B. On the date the policy is delivered
C. On the date of the first claim
D. On the beneficiary’s signature date
Who is eligible for Medicare Part A?
✔✔ A. Individuals 65 or older or with qualifying disabilities
B. Only full-time employees
C. Only children under 18
D. Anyone with employer coverage
What does Medicare Part B cover?
✔✔ A. Outpatient care and doctor services
B. Hospitalization
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Practice Test Questions and Answers
Latest Version Already Graded A
What does a deductible represent in a health insurance policy?
✔✔ A. The amount the insured pays before the insurer begins to pay
B. The monthly premium
C. The full policy value
D. The payment made by the insurer directly to the beneficiary
Which of the following best describes coinsurance?
A. A refund from the insurer
✔✔ B. The percentage shared between the insurer and the insured after the deductible
C. A grace period
D. A form of Medicaid coverage
A health savings account (HSA) must be paired with which type of health plan?
A. Medicare Advantage
B. PPO
1
,✔✔ C. High-deductible health plan (HDHP)
D. HMO
What is the primary benefit of an HMO plan?
✔✔ A. Lower out-of-pocket costs with managed care
B. Full freedom to see any doctor
C. Unlimited prescription refills
D. Pays cash value after 10 years
What is the function of a primary care physician in managed care?
A. Issues insurance policies
B. Processes claims
✔✔ C. Coordinates patient care and provides referrals
D. Pays premiums
In the event of an accidental injury, what kind of policy provides specific coverage?
✔✔ A. Accident-only policy
B. Major medical
2
,C. Long-term care insurance
D. Term life insurance
What is the maximum benefit period commonly offered by short-term disability insurance?
A. 10 years
B. Lifetime
✔✔ C. 6 months to 2 years
D. Until age 65
What type of policy pays a fixed benefit per day when the insured is hospitalized?
A. Term life
✔✔ B. Hospital indemnity policy
C. PPO
D. Long-term care policy
Which of these is typically NOT covered by a basic medical expense policy?
✔✔ A. Long-term custodial care
B. Surgical procedures
3
, C. Doctor visits
D. Emergency room care
When does the free-look period for individual health insurance policies typically begin?
A. On the date of policy application
✔✔ B. On the date the policy is delivered
C. On the date of the first claim
D. On the beneficiary’s signature date
Who is eligible for Medicare Part A?
✔✔ A. Individuals 65 or older or with qualifying disabilities
B. Only full-time employees
C. Only children under 18
D. Anyone with employer coverage
What does Medicare Part B cover?
✔✔ A. Outpatient care and doctor services
B. Hospitalization
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