2024 HEALTH INSURANCE
FLORIDA 2-40 MEDICAL EXPENSES
PRACTICE EXAM QUESTIONS 3
WITH 100% CORRECT ANSWERS
Comprehensive Medical Expense Insurance combines which of the following
coverage in one policy:
A) Basic Hospital/Surgical and Major Medical
B) Disability Income and Accidental Death and Dismemberment
C) Disability Income and Basic Hospital/Surgical
D) Major Medical and Accidental Death and Dismemberment - CORRECT
ANSWERS- A) Basic Hospital/Surgical and Major Medical
Which type of insurance policy combines several types of benefits and
provides more coverage than any of the others?
A) Hospital Expense
B) Comprehensive Medical Expense
C) Major Medical
D) Surgical Expense - CORRECT ANSWERS- B) Comprehensive Medical
Expense
If the client goes out of the network for services on a PPO:
A) There is no coverage
B) The amount paid will be reduced
C) The PPO coverage is excess
D) Out of pocket expenses are negotiated - CORRECT ANSWERS- B) The
amount paid will be reduced
Third party administrator (TPAs) do all of the following EXCEPT:
A) Marketing
B) Underwriting
C) Provide coverage
D) Claims processing - CORRECT ANSWERS- C) Provide coverage
All are true about Preferred Provider Organizations (PPOs), EXCEPT:
A) They may only be started by hospitals
B) Coverage may be reduced for out-of-network services
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