CEBS GBA 2 Practice Exam Questions
with correct Answers (A+ GRADED
100% VERIFIED) 2025/2026
"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
A life insurance policy in which the insurance provides lifetime protection, the
premiums are level, but they are paid only for a certain period is referred to as:
A.) Endowment insurance
B.) Term to age 65
C.) Straight life
D.) Limited payment life
E.) Variable life - ANSWER: D.) Limited payment life
A medical group is paid fee-for-service up to a withhold amount. The group is paid
75 percent at the time of service and the remaining 25 percent is paid if the managed
care plan:
A.) Is able to cover its overall claim costs.
B.) Covers the physician salaries.
C.) Anticipates providing less than two percent of out-of-network benefits in the next
computation period.
D.) Provides virtually 100% in-network benefits in the computation period.
E.) Is efficient at recapturing capitation fees for late subscriber terminations. -
ANSWER: A.) Is able to cover its overall claim costs.
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
A small employer has a self-funded health plan with reinsurance coverage. Which of
the following statements regarding this type of reinsurance is correct?
A.) Aggregate stop-loss reinsurance limits the dollar amount of coverage on each
employee's health care costs.
B.) Reinsurers often help small employers revise their health plans.
C.) Lower "attachment points" decrease the employer's financial risk.
D.) Federal law requires stop-loss insurers to provide policyholders an advance
notice of at least 90 days before cancelling a policy.
E.) Specific stop-loss coverage reinsurance limits the dollar amount of health care
costs for an entire employee population over a period of time. - ANSWER: C.) Lower
"attachment points" decrease the employer's financial risk.
A study examined the elements that affect health insurer price negotiations in
selective contracting with hospitals. The study concluded that insurers are able to
obtain lower prices in all the following situations EXCEPT:
A.) When there are more hospitals in the local market.
B.) When the insurer had a larger share of the hospital's book of business.
C.) When the hospital had little bargaining power.
D.) When the insurer is small, i.e., has assets lower than a certain amount.
E.) When the hospital had a lower occupancy rate. - ANSWER: D.) When the
insurer is small, i.e., has assets lower than a certain amount.
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
After extensive study and research, certain conclusions can be drawn regarding the
various approaches to achieve quality improvements in health care. All the following
statements concerning these conclusions are correct EXCEPT:
, A.) Performance measures, incentives and penalties focused on health plans are not
likely to be very successful in bringing about effective and extensive quality
improvement.
B.) External bodies have limited ability to foster the redesign of care unless there is
a change in the payment system.
C.) Physicians and care delivery organizations must take a leading role in any
serious improvement in care and costs.
D.) Payment systems have little impact on quality improvements.
E.) Basing physician payments on the volume of services provided neither
incentivizes significant changes in care approach nor covers the costs of making
such changes. - ANSWER: D.) Payment systems have little impact on quality
improvements.
All of the following are criteria utilized by the National Committee For Quality
Assurance (NCQA) in awarding a "Distinction in Patient Experience Reporting" to
medical homes EXCEPT:
A.) Access to care
B.) Shared decision making
C.) Provider personality ratings
D.) Self-management support
E.) Coordination of care - ANSWER: C.) Provider personality ratings
All of the following are factors a stop-loss insurer might consider when underwriting a
health care policy for an employer EXCEPT:
A.) Previous health care experience and anticipated trends going forward for the
employer
B.) Anonymized medical surveys of existing policies' covered employees
C.) The employer's preferred physician network
D.) The geographic location of the employer
E.) The third-party administrator selected by the employer - ANSWER: B.)
Anonymized medical surveys of existing policies' covered employees
All of the following are reasons cited for consumers being reluctant to purchase
long-term care (LTC) insurance EXCEPT:
A.) Rate increases announced by insurers and the negative publicity that follow such
announcements erode public trust in LTC insurance companies.
B.) Fears of not being able to change carriers due to the underwriting practice of not
accepting policyholders with an existing five-plus-years policy in force with another
carrier.
C.) The onerous process required to receive benefits.
with correct Answers (A+ GRADED
100% VERIFIED) 2025/2026
"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
A life insurance policy in which the insurance provides lifetime protection, the
premiums are level, but they are paid only for a certain period is referred to as:
A.) Endowment insurance
B.) Term to age 65
C.) Straight life
D.) Limited payment life
E.) Variable life - ANSWER: D.) Limited payment life
A medical group is paid fee-for-service up to a withhold amount. The group is paid
75 percent at the time of service and the remaining 25 percent is paid if the managed
care plan:
A.) Is able to cover its overall claim costs.
B.) Covers the physician salaries.
C.) Anticipates providing less than two percent of out-of-network benefits in the next
computation period.
D.) Provides virtually 100% in-network benefits in the computation period.
E.) Is efficient at recapturing capitation fees for late subscriber terminations. -
ANSWER: A.) Is able to cover its overall claim costs.
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
A small employer has a self-funded health plan with reinsurance coverage. Which of
the following statements regarding this type of reinsurance is correct?
A.) Aggregate stop-loss reinsurance limits the dollar amount of coverage on each
employee's health care costs.
B.) Reinsurers often help small employers revise their health plans.
C.) Lower "attachment points" decrease the employer's financial risk.
D.) Federal law requires stop-loss insurers to provide policyholders an advance
notice of at least 90 days before cancelling a policy.
E.) Specific stop-loss coverage reinsurance limits the dollar amount of health care
costs for an entire employee population over a period of time. - ANSWER: C.) Lower
"attachment points" decrease the employer's financial risk.
A study examined the elements that affect health insurer price negotiations in
selective contracting with hospitals. The study concluded that insurers are able to
obtain lower prices in all the following situations EXCEPT:
A.) When there are more hospitals in the local market.
B.) When the insurer had a larger share of the hospital's book of business.
C.) When the hospital had little bargaining power.
D.) When the insurer is small, i.e., has assets lower than a certain amount.
E.) When the hospital had a lower occupancy rate. - ANSWER: D.) When the
insurer is small, i.e., has assets lower than a certain amount.
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
After extensive study and research, certain conclusions can be drawn regarding the
various approaches to achieve quality improvements in health care. All the following
statements concerning these conclusions are correct EXCEPT:
, A.) Performance measures, incentives and penalties focused on health plans are not
likely to be very successful in bringing about effective and extensive quality
improvement.
B.) External bodies have limited ability to foster the redesign of care unless there is
a change in the payment system.
C.) Physicians and care delivery organizations must take a leading role in any
serious improvement in care and costs.
D.) Payment systems have little impact on quality improvements.
E.) Basing physician payments on the volume of services provided neither
incentivizes significant changes in care approach nor covers the costs of making
such changes. - ANSWER: D.) Payment systems have little impact on quality
improvements.
All of the following are criteria utilized by the National Committee For Quality
Assurance (NCQA) in awarding a "Distinction in Patient Experience Reporting" to
medical homes EXCEPT:
A.) Access to care
B.) Shared decision making
C.) Provider personality ratings
D.) Self-management support
E.) Coordination of care - ANSWER: C.) Provider personality ratings
All of the following are factors a stop-loss insurer might consider when underwriting a
health care policy for an employer EXCEPT:
A.) Previous health care experience and anticipated trends going forward for the
employer
B.) Anonymized medical surveys of existing policies' covered employees
C.) The employer's preferred physician network
D.) The geographic location of the employer
E.) The third-party administrator selected by the employer - ANSWER: B.)
Anonymized medical surveys of existing policies' covered employees
All of the following are reasons cited for consumers being reluctant to purchase
long-term care (LTC) insurance EXCEPT:
A.) Rate increases announced by insurers and the negative publicity that follow such
announcements erode public trust in LTC insurance companies.
B.) Fears of not being able to change carriers due to the underwriting practice of not
accepting policyholders with an existing five-plus-years policy in force with another
carrier.
C.) The onerous process required to receive benefits.
