#1
An annual flu shot is recommended for…
A. Pregnant women and adults over 65.
B. Adults in good health.
C. Both A and B.
C. Both A and B.
Open enrollment refers to…
A. The time period when you can enroll in a health plan.
B. The right to enroll in a health care plan whenever you want.
C. A health plan that allows you to go to any doctor you choose.
A. The time period when you can enroll in a health plan.
Your health insurance plan can offer surprising perks, but not…
A. Reimbursements for fitness memberships and yoga classes.
B. Free groceries delivered to your home.
C. Online finance tools to help you budget for medical services.
B. Free groceries delivered to your home.
A copay is…
A. Someone who agrees to help you pay your medical bills.
B. The maximum doctor visits you’re allowed each year.
C. A set dollar amount you pay for certain medical visits and services.
C. A set dollar amount you pay for certain medical visits and services.
You should visit an urgent care center…
A. When you need a routine eye exam and can’t get an appointment with your regular doctor.
B. If you’re experiencing non-life-threatening symptoms, such as a sprain, a cut that requires stitches or a rash.
C. Only for serious symptoms like sudden chest pain.
B. If you’re experiencing non-life-threatening symptoms, such as a sprain, a cut that requires stitches or a rash.
You can change your health insurance plan…
A. Anytime you want.
B. During open enrollment or after a qualifying life event, such as a job change, marriage or new baby.
C. If your doctor stops taking your insurance plan.
B. During open enrollment or after a qualifying life event, such as a job change, marriage or new baby.
Vision insurance…
A. Vision insurance helps cover prescription lenses and frames. Some plans may also cover or provide discounts for routine vision exams.
B. Sends you new prescription glasses every month by mail.
C. Primarily covers treatment for eye diseases, such as glaucoma and cataracts.
A. Vision insurance helps cover prescription lenses and frames. Some plans may also cover or provide discounts for routine vision exams.
A referral is…
A. A recommendation from a friend for a particular doctor.
B. Permission given by your employer’s benefits department to sign up for a health plan.
C. A written or electronic record from your primary care doctor allowing you to visit a specialist or health care facility.
C. A written or electronic record from your primary care doctor allowing you to visit a specialist or health care facility.
A deductible is...
A. The amount you pay for covered health care expenses before insurance kicks in.
B. The money deducted from your paycheck to pay for your insurance plan.
C. The money your health care plan pays you when you have an accident.
A. The amount you pay for covered health care expenses before insurance kicks in.
HMO stands for…
A. Holistic Medical Organization, a clinic where you can receive alternative therapies.
B. Health Maintenance Organization, a health plan that generally requires you to get your care from providers who are in the HMO network. You may also need to select a primary care physician and obtain a referral before you see a specialist.
C. Health Management Option, a savings account that you can only use for health care costs
B. Health Maintenance Organization, a health plan that generally requires you to get your care from providers who are in the HMO network. You may also need to select a primary care physician and obtain a referral before you see a specialist.
Coinsurance is…
A. A secondary insurance plan.
B. Additional persons added to your insurance plan, such as a spouse or child.
C. The percentage of covered health care expenses you pay after you meet your deductible..
C. The percentage of covered health care expenses you pay after you meet your deductible..
An out-of-pocket maximum is…
A. The highest dollar amount you may pay out-of-pocket for covered medical services, usually per year.
B. The total of all the medical costs you’ve paid during your lifetime.
C. The amount of money you’re charged for a visit to the emergency room.
A. The highest dollar amount you may pay out-of-pocket for covered medical services, usually per year.
A high-deductible health plan (HDHP) features…
A. The highest rating given by insurance regulators.
B. Lower premiums but higher upfront out of pocket costs when you use the plan.
C. Higher premiums but lower upfront out of pocket costs when you use the plan.
B. Lower premiums but higher upfront out of pocket costs when you use the plan.
An insurance premium is…
A. A perk you receive through your health insurance, such as a gym reimbursement or 24/7 nurse hotline.
B. The annual window of time when you can make changes to your insurance.
C. The monthly cost of insurance coverage.
C. The monthly cost of insurance coverage.
The main difference between a health savings account (HSA) and a flexible spending account (FSA) is…
A. HSAs allow you to roll over funds year after year, while the money left in an FSA at year’s end is generally lost.
B. HSAs have annual contribution limits, but FSAs have no limits.
C. FSA holders can’t spend more than what’s already been deducted from their paycheck.
A. HSAs allow you to roll over funds year after year, while the money left in an FSA at year’s end is generally lost.