USAA QUESTIONS AND ANSWERS GUARANTEE A+
2025/2026
✔✔Business Overhead Expense policy would cover which of the following if a business
owner becomes disabled? - ✔✔Utilities and office rent
✔✔The benefits under a Disability Buy-out policy are: - ✔✔Payable to the company or
another shareholder
✔✔A medical care provider which typically delivers health services at its own local
medical facility is known as a - ✔✔Health Maintenance Organization
✔✔A situation where a group of physicians are salaried employees and conduct
business in an HMO facility is called a(an): - ✔✔closed panel
✔✔A 66 year old is covered under a group health plan while employed with a business
that has 40 employees. If she injurers herself while walking in the park, what coverage
would be considered primary? - ✔✔Her group health plan
✔✔J is a subscriber to a plan which contracts with doctors and hospitals to provide
medical benefits at a preset price. What type of plan does J belong to? - ✔✔Health
Maintenance Organization
✔✔Which of these is considered a true statement regarding Medicaid? - ✔✔Funded by
both state and federal governments
✔✔What does Medicare parts A and B both cover? - ✔✔Part A covers hospitalizations,
part B covers Doctor's services
✔✔What type of provider is known for stressing preventive medical care? - ✔✔HMO
✔✔Medicaid was designed to assist individuals who are - ✔✔Below a specific income
limit
✔✔Which of the following statements is true about most Blue Cross/Blue Shield
organizations? - ✔✔They are nonprofit
✔✔Which of the following BEST describes how a Preferred Provider Organization
(PPO) is less restrictive than a Health Maintenance Organization (HMO)? - ✔✔More
physicians to choose from
✔✔Which of these is NOT a characteristic of Health Reimbursement Arrangement -
✔✔Employee funds the HRA entirely
, ✔✔Comprehensive Major Medical policies usually combine: - ✔✔Major Medical with
Basic Hospital/Surgical coverage
✔✔Which of the following types of health coverage frequently use deductibles? -
✔✔Major Medical Policy
✔✔A comprehensive major medical health insurance policy contains and Eligible
Expenses provision which identifies the types of health care services that are covered.
All of the following health care services are typically covered, EXCEPT for: -
✔✔Experimental and investigative services
✔✔Which of the following BEST describes a Hospital Indemnity policy? - ✔✔Coverage
that pays a stated amount per day of a covered hospitalization.
✔✔This type of deductible provision waives the deductible for all family members after
some of them has satisfied individual deductibles within the same year: - ✔✔Family
maximum deductible
✔✔Which of the following medical expenses does Cancer insurance NOT cover? -
✔✔Arthritis
✔✔All of the following are limited benefit plans, EXCEPT: - ✔✔Life insurance policies
✔✔A Hospital/Surgical Expense policy was purchased for a family of four in March of
2013. The policy was issued with a $500 deducible per calendar year. Two claims were
paid in September 2013, each incurring medical expenses in excess of the deductible.
Two additional claims were filed in 2014, each in excess of the deductible amount as
well. What would be this family's out-of-pocket expense for 2013? - ✔✔$1,000
✔✔T was treated for an ailment 2 months prior to applying for a health insurance policy.
This condition was noted on the application and the policy was issued shortly
afterwards.How will the insurer likely consider this condition? - ✔✔Insurer will likely treat
as a pre-existing condition which may not be covered for one year
✔✔Q is hospitalized for 3 days and receives a bill for $10,100. Q has a Major Medical
policy with a $100 deductible and 80/20 coinsurance. How much will Q be responsible
for paying on this claim? - ✔✔$2,100
✔✔What type of policy would only provide coverage for specific types of illnesses
(cancer, stroke, etc)? - ✔✔Dread disease insurance
2025/2026
✔✔Business Overhead Expense policy would cover which of the following if a business
owner becomes disabled? - ✔✔Utilities and office rent
✔✔The benefits under a Disability Buy-out policy are: - ✔✔Payable to the company or
another shareholder
✔✔A medical care provider which typically delivers health services at its own local
medical facility is known as a - ✔✔Health Maintenance Organization
✔✔A situation where a group of physicians are salaried employees and conduct
business in an HMO facility is called a(an): - ✔✔closed panel
✔✔A 66 year old is covered under a group health plan while employed with a business
that has 40 employees. If she injurers herself while walking in the park, what coverage
would be considered primary? - ✔✔Her group health plan
✔✔J is a subscriber to a plan which contracts with doctors and hospitals to provide
medical benefits at a preset price. What type of plan does J belong to? - ✔✔Health
Maintenance Organization
✔✔Which of these is considered a true statement regarding Medicaid? - ✔✔Funded by
both state and federal governments
✔✔What does Medicare parts A and B both cover? - ✔✔Part A covers hospitalizations,
part B covers Doctor's services
✔✔What type of provider is known for stressing preventive medical care? - ✔✔HMO
✔✔Medicaid was designed to assist individuals who are - ✔✔Below a specific income
limit
✔✔Which of the following statements is true about most Blue Cross/Blue Shield
organizations? - ✔✔They are nonprofit
✔✔Which of the following BEST describes how a Preferred Provider Organization
(PPO) is less restrictive than a Health Maintenance Organization (HMO)? - ✔✔More
physicians to choose from
✔✔Which of these is NOT a characteristic of Health Reimbursement Arrangement -
✔✔Employee funds the HRA entirely
, ✔✔Comprehensive Major Medical policies usually combine: - ✔✔Major Medical with
Basic Hospital/Surgical coverage
✔✔Which of the following types of health coverage frequently use deductibles? -
✔✔Major Medical Policy
✔✔A comprehensive major medical health insurance policy contains and Eligible
Expenses provision which identifies the types of health care services that are covered.
All of the following health care services are typically covered, EXCEPT for: -
✔✔Experimental and investigative services
✔✔Which of the following BEST describes a Hospital Indemnity policy? - ✔✔Coverage
that pays a stated amount per day of a covered hospitalization.
✔✔This type of deductible provision waives the deductible for all family members after
some of them has satisfied individual deductibles within the same year: - ✔✔Family
maximum deductible
✔✔Which of the following medical expenses does Cancer insurance NOT cover? -
✔✔Arthritis
✔✔All of the following are limited benefit plans, EXCEPT: - ✔✔Life insurance policies
✔✔A Hospital/Surgical Expense policy was purchased for a family of four in March of
2013. The policy was issued with a $500 deducible per calendar year. Two claims were
paid in September 2013, each incurring medical expenses in excess of the deductible.
Two additional claims were filed in 2014, each in excess of the deductible amount as
well. What would be this family's out-of-pocket expense for 2013? - ✔✔$1,000
✔✔T was treated for an ailment 2 months prior to applying for a health insurance policy.
This condition was noted on the application and the policy was issued shortly
afterwards.How will the insurer likely consider this condition? - ✔✔Insurer will likely treat
as a pre-existing condition which may not be covered for one year
✔✔Q is hospitalized for 3 days and receives a bill for $10,100. Q has a Major Medical
policy with a $100 deductible and 80/20 coinsurance. How much will Q be responsible
for paying on this claim? - ✔✔$2,100
✔✔What type of policy would only provide coverage for specific types of illnesses
(cancer, stroke, etc)? - ✔✔Dread disease insurance
