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..Medical Expense Insurance 2023 Exam Questions with Complete Solutions
Course
Medical Expense Insurance
Institution
Medical Expense Insurance
Medical Expense Insurance 2023 Exam Questions with Complete Solutions In Major Medical Expense policies, what is the intent of a Stop Loss provision? -Limits an insurer's premium increases -Limits an insurer's liability -Limits an insured's out-of-pocket medical expenses -Limits an insured's coverage for pre-existing conditions - CORRECT ANSWER limits an insured's out-of-pocket medical expenses Which of the following costs would a Basic Hospital/Surgical policy likely cover? -Surgically removing a facial birthmark -Care given at a nursing home -Treating a wound from a soldier injured at war -Lost income caused by a hospital stay - CORRECT ANSWER surgically removing a facial birthmark 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 $2,020 $2,000 $100 - CORRECT ANSWER $2,100 For which of the following expenses does a Basic Hospital policy pay? Hospital room and board Prescription medication Surgical fees Physician's fees - CORRECT ANSWER hospital room and board In order to establish a Health Reimbursement Arrangement (HRA), it MUST -be offered in conjunction with other employer provided health benefits -limit the benefits to prescription drugs only -be established by the employer -limit the amount of money the employee can contribute toward the account - CORRECT ANSWER be established by the employer
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