Indiana Navigator's Test Questions & Answers Latest Updated

Department of Health and Human Services - Answer HHS - US federal gov principal health agency Centers for Medicare and Medicaid - Answer CMS - agency within HHS that administers Medicare, Medicaid/CHIP, and federal Marketplace IHCPs - Answer Indiana Health Coverage Programs Actuarial Value - Answer the percentage of average costs that a health insurance plan will cover Affordable Care Act - Answer ACA - Obamacare - establishes marketplace and federal consumer assistance programs Application Organization - Answer org with employees helping Hoosier health insurance consumers complete apps for health coverage through Marketplace or IHCP Authorized Representative - Answer ind or org designated by applicant to assist with health care application Behavioral and Primary Healthcare Coordination Program - Answer program that provides access to MRO services to individuals with Serious mental illness whose income otherwise would be too high to qualify for Medicaid. CHIP - Answer Children's Health Insurance Program COBRA (Consolidated Omnibus Budget Reconciliation Act) - Answer helps with continued medical benefits after leaving your employer. Coinsurance - Answer consumers share if cost of healthcare service, paid in addition to deductible amount Consumer directed health plan - Answer a generic term for a plan that combines a high-deductible health plan with a health savings account (HSA) or health reimbursement arrangement (HRA) Copayment - Answer a fixed fee paid by the patient at the time of an office visit cost sharing - Answer a situation where insured individuals pay a portion of the healthcare costs, such as deductibles, coinsurance or co-payments cost sharing reduction - Answer a subsidy that reduces out-of-pocket costs for health care - QHP discount in Marketplace