CEBS GBA 2 Practice Exam Questions
With Correct Answers
According |to |the |RAND |Health |Insurance |Experiment, |which |variable |has |the |greatest |power |in
|explaining |health |expenditures?
A.) |Welfare |eligibility |
| B.) |Prior |utilization |
| C.) |Physical |health |(based |on |self-reported |measures) |
| D.) |General |health |(based |on |self-reported |measures) |
| E.) |Mental |health |(based |on |self-reported |measures) |- |ANSWER✔✔✔-B.) |Prior |utilization
A |provision |in |some |group |life |insurance |plans |that |provides |for |the |payment |of |all |or |part |of |
the |death |benefit |in |the |event |of |the |insured's |terminal |illness |is |called:
A.) |Accelerated |death |benefits |
| B.) |Waiver |of |premiums |
| C.) |Maturity |value |benefits |
| D.) |Continuation-of-protection |
| E.) |Assignment |- |ANSWER✔✔✔-A.) |Accelerated |death |benefits
What |reasons |are |given |for |the |Silver |plan |being |a |popular |choice |among |all |the |Affordable |
Care |Act |(ACA) |health |plans?
A.) |The |Silver |plan |has |the |greatest |actuarial |value |of |all |the |plans. |
,|B.) |Cost-sharing |subsidies |to |lower |out-of-pocket |costs |are |available |only |to |people |who |select
|the |Silver |plan. |
| C.) |The |Silver |plan |has |the |greatest |benefits, |even |more |than |the |Gold |and |Platinum |plans. |
| D.) |The |Silver |plan |has |the |lowest |out-of-pocket |costs |of |any |plan |even |before |any |subsidies. |
|E.) |Many |people |select |the |Silver |plan |because |they |are |not |eligible |for |the |Gold |or |Platinum |
plans. |- |ANSWER✔✔✔-B.) |Cost-sharing |subsidies |to |lower |out-of-pocket |costs |are |available |
only |to |people |who |select |the |Silver |plan.
Which |of |the |following |measures |of |cost |is |generally |used |by |analysts |when |they |are |
examining |the |impact |of |insurance |premiums |on |employees' |choice |of |health |insurance |plans?
A.) |The |loading |percentage |
| B.) |The |total |gross |premium |
| C.) |The |insurer's |profit |
| D.) |The |employee's |out-of-pocket |price |
|E.) |The |expected |future |gross |premium |- |ANSWER✔✔✔-D.) |The |employee's |out-of-pocket |
price
Which |of |the |following |statements |regarding |recognition |as |a |patient-centered |medical |home |
(PCMH) |is |correct?
A.) |The |only |organization |that |can |officially |recognize |a |PCMH |is |the |Federally |Qualified |Health
|Center |Demonstration. |
B.) |The |only |organization |that |can |officially |recognize |a |PCMH |is |the |National |Committee |for |
Quality |Assurance |(NCQA). |
C.) |No |single |organization |is |responsible |for |recognizing |PCMHs. |
D.) |The |main |organization |that |recognizes |PCMHs |is |the |Joint |Commission |and |the |
Accreditation |Commission |for |Health |Care. |
,E.) |A |PCMH |can |be |recognized |only |by |the |state |in |which |it |is |domiciled. |- |ANSWER✔✔✔-C.) |
No |single |organization |is |responsible |for |recognizing |PCMHs.
Which |of |the |following |statements |regarding |private |health |insurance |exchanges |and |Small |
Business |Health |Options |Program |(SHOP) |exchanges |is |correct?
A.) |A |lot |of |evidence |has |been |produced |to |show |that |private |exchanges |have |been |designed |
to |make |it |easier |for |small |business |to |self-insure. |
|B.) |The |income |tax |incentives |previously |provided |to |small |employers |in |the |SHOP |program |
have |expired. |
|C.) |Recently |states |were |given |the |option |of |making |SHOP |exchanges |mandatory |for |all |
employers |with |fewer |than |200 |employees. |
|D.) |Private |exchanges |could |affect |SHOP |exchanges |by |siphoning |enrollment |from |them |and |
thereby |reducing |revenue |(administrative |fees) |critical |to |SHOPs' |financial |viability. |
|E.) |Unlike |private |exchanges, |SHOP |exchanges |do |not |have |the |ability |to |offer |small |employers
|a |number |of |plan |choices. |- |ANSWER✔✔✔-D.) |Private |exchanges |could |affect |SHOP |
exchanges |by |siphoning |enrollment |from |them |and |thereby |reducing |revenue |(administrative |
fees) |critical |to |SHOPs' |financial |viability.
What |is |the |waiting |period |for |Social |Security |Disability |Income |(SSDI) |benefits?
A.) |One |month |
| B.) |Three |consecutive |months |
| C.) |Five |consecutive |months |
| D.) |Six |consecutive |months |
| E.) |Twelve |consecutive |months |- |ANSWER✔✔✔-C.) |Five |consecutive |months
"Desktop |medicine" |is |a |fully |integrated |approach |using |information |technology |whose |
primary |goal |is |to:
, A.) |Recruit |prospective |health |plan |subscribers |
| B.) |Help |track |patients |through |their |plan |of |care |
| C.) |Encourage |patient |self-diagnosis |using |the |Internet |
| D.) |Gather |health |status |metrics |for |large |patient |populations |
|E.) |Expedite |health |provider |use |of |technology |- |ANSWER✔✔✔-B.) |Help |track |patients |
through |their |plan |of |care
Until |now, |the |biggest |source |of |cost |savings |with |private |health |insurance |exchanges |has |
been:
A.) |Transition |to |the |defined |contribution |approach |
| B.) |Increased |use |of |technology |
| C.) |Employees |choosing |less |generous |plans |
| D.) |Better |health |education |of |employees |
|E.) |Elimination |or |reduction |in |administrative |waste |- |ANSWER✔✔✔-C.) |Employees |choosing |
less |generous |plans
Out-of-network |health |care |accounts |for |approximately |what |percentage |of |total |covered |
health |insurance |expenses?
A.) |3 |
| B.) |10 |
| C.) |20 |
| D.) |25 |
| E.) |30 |- |ANSWER✔✔✔-B.) |10
With Correct Answers
According |to |the |RAND |Health |Insurance |Experiment, |which |variable |has |the |greatest |power |in
|explaining |health |expenditures?
A.) |Welfare |eligibility |
| B.) |Prior |utilization |
| C.) |Physical |health |(based |on |self-reported |measures) |
| D.) |General |health |(based |on |self-reported |measures) |
| E.) |Mental |health |(based |on |self-reported |measures) |- |ANSWER✔✔✔-B.) |Prior |utilization
A |provision |in |some |group |life |insurance |plans |that |provides |for |the |payment |of |all |or |part |of |
the |death |benefit |in |the |event |of |the |insured's |terminal |illness |is |called:
A.) |Accelerated |death |benefits |
| B.) |Waiver |of |premiums |
| C.) |Maturity |value |benefits |
| D.) |Continuation-of-protection |
| E.) |Assignment |- |ANSWER✔✔✔-A.) |Accelerated |death |benefits
What |reasons |are |given |for |the |Silver |plan |being |a |popular |choice |among |all |the |Affordable |
Care |Act |(ACA) |health |plans?
A.) |The |Silver |plan |has |the |greatest |actuarial |value |of |all |the |plans. |
,|B.) |Cost-sharing |subsidies |to |lower |out-of-pocket |costs |are |available |only |to |people |who |select
|the |Silver |plan. |
| C.) |The |Silver |plan |has |the |greatest |benefits, |even |more |than |the |Gold |and |Platinum |plans. |
| D.) |The |Silver |plan |has |the |lowest |out-of-pocket |costs |of |any |plan |even |before |any |subsidies. |
|E.) |Many |people |select |the |Silver |plan |because |they |are |not |eligible |for |the |Gold |or |Platinum |
plans. |- |ANSWER✔✔✔-B.) |Cost-sharing |subsidies |to |lower |out-of-pocket |costs |are |available |
only |to |people |who |select |the |Silver |plan.
Which |of |the |following |measures |of |cost |is |generally |used |by |analysts |when |they |are |
examining |the |impact |of |insurance |premiums |on |employees' |choice |of |health |insurance |plans?
A.) |The |loading |percentage |
| B.) |The |total |gross |premium |
| C.) |The |insurer's |profit |
| D.) |The |employee's |out-of-pocket |price |
|E.) |The |expected |future |gross |premium |- |ANSWER✔✔✔-D.) |The |employee's |out-of-pocket |
price
Which |of |the |following |statements |regarding |recognition |as |a |patient-centered |medical |home |
(PCMH) |is |correct?
A.) |The |only |organization |that |can |officially |recognize |a |PCMH |is |the |Federally |Qualified |Health
|Center |Demonstration. |
B.) |The |only |organization |that |can |officially |recognize |a |PCMH |is |the |National |Committee |for |
Quality |Assurance |(NCQA). |
C.) |No |single |organization |is |responsible |for |recognizing |PCMHs. |
D.) |The |main |organization |that |recognizes |PCMHs |is |the |Joint |Commission |and |the |
Accreditation |Commission |for |Health |Care. |
,E.) |A |PCMH |can |be |recognized |only |by |the |state |in |which |it |is |domiciled. |- |ANSWER✔✔✔-C.) |
No |single |organization |is |responsible |for |recognizing |PCMHs.
Which |of |the |following |statements |regarding |private |health |insurance |exchanges |and |Small |
Business |Health |Options |Program |(SHOP) |exchanges |is |correct?
A.) |A |lot |of |evidence |has |been |produced |to |show |that |private |exchanges |have |been |designed |
to |make |it |easier |for |small |business |to |self-insure. |
|B.) |The |income |tax |incentives |previously |provided |to |small |employers |in |the |SHOP |program |
have |expired. |
|C.) |Recently |states |were |given |the |option |of |making |SHOP |exchanges |mandatory |for |all |
employers |with |fewer |than |200 |employees. |
|D.) |Private |exchanges |could |affect |SHOP |exchanges |by |siphoning |enrollment |from |them |and |
thereby |reducing |revenue |(administrative |fees) |critical |to |SHOPs' |financial |viability. |
|E.) |Unlike |private |exchanges, |SHOP |exchanges |do |not |have |the |ability |to |offer |small |employers
|a |number |of |plan |choices. |- |ANSWER✔✔✔-D.) |Private |exchanges |could |affect |SHOP |
exchanges |by |siphoning |enrollment |from |them |and |thereby |reducing |revenue |(administrative |
fees) |critical |to |SHOPs' |financial |viability.
What |is |the |waiting |period |for |Social |Security |Disability |Income |(SSDI) |benefits?
A.) |One |month |
| B.) |Three |consecutive |months |
| C.) |Five |consecutive |months |
| D.) |Six |consecutive |months |
| E.) |Twelve |consecutive |months |- |ANSWER✔✔✔-C.) |Five |consecutive |months
"Desktop |medicine" |is |a |fully |integrated |approach |using |information |technology |whose |
primary |goal |is |to:
, A.) |Recruit |prospective |health |plan |subscribers |
| B.) |Help |track |patients |through |their |plan |of |care |
| C.) |Encourage |patient |self-diagnosis |using |the |Internet |
| D.) |Gather |health |status |metrics |for |large |patient |populations |
|E.) |Expedite |health |provider |use |of |technology |- |ANSWER✔✔✔-B.) |Help |track |patients |
through |their |plan |of |care
Until |now, |the |biggest |source |of |cost |savings |with |private |health |insurance |exchanges |has |
been:
A.) |Transition |to |the |defined |contribution |approach |
| B.) |Increased |use |of |technology |
| C.) |Employees |choosing |less |generous |plans |
| D.) |Better |health |education |of |employees |
|E.) |Elimination |or |reduction |in |administrative |waste |- |ANSWER✔✔✔-C.) |Employees |choosing |
less |generous |plans
Out-of-network |health |care |accounts |for |approximately |what |percentage |of |total |covered |
health |insurance |expenses?
A.) |3 |
| B.) |10 |
| C.) |20 |
| D.) |25 |
| E.) |30 |- |ANSWER✔✔✔-B.) |10
