Health Policy

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Author:
skarlet90
ID:
76019
Filename:
Health Policy
Updated:
2011-03-29 18:05:27
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Health Policies
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Description:
Health Policies
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  1. 4: All of the following are
    differences between individual and group health insurance EXCEPT



    a Individual insurance does not require
    medical examinations, while group insurance does require medical examinations.

    b In individual policies, the
    individual selects coverage options, while in a group plan all employees are
    covered for the same coverage which is chosen by the employer.

    c Individual coverage can be written
    on an occupational or nonoccupational basis; group plans cover only
    nonoccupational.

    d Individual policies are renewable
    at the option of the insured, while group usually terminates when the
    individual leaves the group.
    • a Individual insurance does not require
    • medical examinations, while group insurance does require medical examinations.
  2. 5: Under HIPAA, how many months of
    creditable coverage must a new employee have earned to not have a pre-existing
    condition exclusion in the new plan?

    a 3 months

    b 6 months

    c 12 months

    d 18 months
    c 12 months
  3. 7: Under HIPAA, group health plans
    cannot impose more than a 12 month pre-existing conditions exclusion for a
    person who sought medical advice, treatment, or diagnosis within the last

    a 6 months.

    b 12 months.

    c 30 days.

    d 3 months.
    a 6 months.
  4. 9: What type of care is provided in
    LTC's intermediate care?

    a Non-medical daily care

    b Daily care, but not nursing care

    c Intensive care

    d Around-the-clock care
    d Around-the-clock care
  5. 11: What would an Accidental Death
    and Dismemberment (AD&D) policy pay the principal amount for, other than
    accidental death?

    a Loss of 1 hand

    b The loss of 2 or more limbs

    c The loss sight in 1 eye

    d Loss of hearing
    b The loss of 2 or more limbs
  6. 15: A policy which covers medical
    costs related to a specific condition is called a

    a Condition-Specific Policy.

    b Specific Condition Policy.

    c Limited Coverage Policy.

    d Dread Disease Policy.
    d Dread Disease Policy.
  7. Garrett is involved in a car
    accident. In addition to general, less serious injuries, he permanently loses
    the use of his leg and is rendered completely blind. The blindness improves a
    month later. To what extent will he receive Presumptive Disability benefits?



    A No benefits

    B Full benefits

    C Partial benefits

    D Full benefits until the blindness
    lifts
    A No benefits

    • Incorrect! Presumptive Disability
    • plans offer full benefits for specified conditions. These policies typically
    • require the loss of use of at least two limbs, total and permanent blindness,
    • or loss of speech or hearing. Benefits are paid, even if the insured is able to
    • work. Because Garrett's blindness was only temporary and the loss of use in
    • only 1 leg, he does not qualify for presumptive disability benefits.
  8. In comparison to a policy that uses
    the accidental means definition, a policy that uses the accidental bodily
    injury definition would provide a coverage that is

    A Broader in duration.

    B Broader in general.

    C More limited in general.

    D More limited in duration.
    B Broader in general.



    • Incorrect! A policy that uses the
    • accidental bodily injury definition will provide broader coverage than a policy
    • that uses the accidental means definition.

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