Health Insurance Florida 2-40 Practice Exam

Health Insurance Florida 2-40 Practice Exam Questions #3 - Medical Expenses Exam Questions and Answers (Solved Papers) Comprehensive Medical Expense Insurance combines which

of the following coverage in one policy:

• Basic Hospital/Surgical and Major Medical
• Disability Income and Accidental Death and

Dismemberment

• Disability Income and Basic Hospital/Surgical
• Major Medical and Accidental Death and Dismemberment -

Correct Answers ✅A) Basic Hospital/Surgical and Major Medical

If the client goes out of the network for services on a PPO:

• There is no coverage
• The amount paid will be reduced
• The PPO coverage is excess
• 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:

• Marketing
• Underwriting
• Provide coverage
• Claims processing - Correct Answers ✅C) Provide

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Health Insurance Florida 2-40 Practice Exam Questions #3 - Medical Expenses Exam Questions and Answers (Solved Papers)

A (basic hospital) health insurance service plan:

• Pays hospital only for specific services stated in the policy
• Pays the hospital directly for claims incurred by low income

persons

• Pays the hospital or doctor directly as provided by the

service plan

• Pays the hospital or doctor directly as provided by the

service plan - Correct Answers ✅D) Pays the hospital or doctor directly as provided by the service plan

All of the following are true about HMOs Except:

• They offer a limited choice of doctors
• Covered individuals are known as subscribers
• Ambulatory services are covered on an out patient basis
• Treatment must always be pre-authorized by a primary

care physician - Correct Answers ✅C) Ambulatory services are covered on an out patient basis

Major Medical Expense plans do not contain a:

• Deductible
• Co-insurance requirement
• Schedule of benefits
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