Health Insurance and Healthcare Systems Quiz
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Questions and Answers

Which part of Medicare includes an annual out-of-pocket expense limit?

  • Part C (correct)
  • Part B
  • Part A
  • Part D

    • What type of care is covered under Part A?

  • Outpatient services
  • Self-administered prescription drugs
  • Home health care (correct)
  • Custodial care

    • Which part of Medicare is required to be enrolled in before signing up for Part C?

  • Parts A, B, and D
  • Part D only
  • Parts A and B (correct)
  • Part B only

    • What type of services are covered under Part B?

    <p>Outpatient hospital charges</p> Signup and view all the answers

    What is the primary difference between Part C and Parts A and B?

    <p>Part C has an annual out-of-pocket expense limit</p> Signup and view all the answers

    Which part of Medicare covers self-administered prescription drugs?

    <p>Part D</p> Signup and view all the answers

    What is the main difference between in-network and out-of-network health insurance?

    <p>The signed agreement with the health insurance carrier to accept a discounted rate</p> Signup and view all the answers

    What is the purpose of preventive care services, such as screenings and vaccinations?

    <p>To prevent diseases and other health problems</p> Signup and view all the answers

    What is the maximum amount you have to pay for covered services in a plan year?

    <p>Maximum Out of Pocket</p> Signup and view all the answers

    What is the purpose of a copayment?

    <p>To pay for a portion of the cost of a medical service after the deductible is met</p> Signup and view all the answers

    What happens when you've reached your Maximum Out of Pocket for the plan year?

    <p>Your health plan pays 100% of the costs of covered benefits</p> Signup and view all the answers

    What is the benefit of using an in-network healthcare provider?

    <p>You pay a discounted rate for services</p> Signup and view all the answers

    What is a characteristic of a Point of Service (POS) plan?

    <p>Allowing enrollees to decide whether to stay in the network at each point of service</p> Signup and view all the answers

    What is a common restriction of HMO plans?

    <p>Limiting coverage to care from doctors who work for or contract with the HMO</p> Signup and view all the answers

    Which type of plan typically offers the most flexibility in choosing healthcare providers?

    <p>POS</p> Signup and view all the answers

    What is a common feature of PPO plans?

    <p>Allowing enrollees to seek care outside the network at a higher cost</p> Signup and view all the answers

    What is a difference between HMO and PPO plans?

    <p>HMO plans do not cover out-of-network care except in an emergency, while PPO plans do</p> Signup and view all the answers

    Which type of plan is often associated with integrated care and a focus on prevention and wellness?

    <p>HMO</p> Signup and view all the answers

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