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NJ Health Insurance Practice Exam questions & answers
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NJ Health Insurance Practice Exam questions & answers questions & answers
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NJHealth
Insurance
Practice
Exam
A
service
that
charges
a
flat
fee
for
medical
care
provided
at
its
own
clinic
is
called
a:
Select
one:
a.
Risk
Retention
Group.
b.
Blue
Cross/Blue
Shield
organisation.
c.
Health
Maintenance
organisation.
d.
Multiple
Employer
Trust
(MET).
-
correct
answer-c.
Health
Maintenance
organization.
HMOs
provide
the
Health
Care
coverage,
as
well
as
the
medical
care
itself
(including
prescription
medication).
HMO
members
are
allowed
to
go
to
hospitals,
physicians,
or
clinics
that
are
part
of
the
plan,
or
to
outside
providers
on
a
referred
basis,
after
seeing
the
HMO
physician
(the
gatekeeper
physician).
Medicaid
is
primarily
used
to:
Select
one:
a.
Pay
for
medical
expenses
of
the
elderly.
b.
Pay
medical
aid
to
those
injured
as
the
result
of
tornadoes
or
other
natural
disasters.
c.
Pay
for
medical
expenses
of
the
needy.
d.
Provide
supplemental
medical
expenses
for
those
on
Medicare.
-
correct
answer-c.
Pay
for
medical
expenses
of
the
needy.
Medicaid
is
a
joint
state
and
Federal
Government
program
that
provides
Health
care
for
U.S.
citizens
and
resident
aliens
with
low
income.
Suicide
and
self-inflicted
injuries
are
examples
of
policy:
Select
one:
a.
Exclusions.
b.
Supplemental
coverages.
c.
Riders.
d.
Non-Forfeiture
clauses.
-
correct
answer-a.
Exclusions.
COBRA
allows
a
departing
employee
to
have
which
of
the
following
conversion
privileges
from
the
Group
Health
coverage
of
the
company
he
or
she
is
leaving?
Select
one:
a.
Allows
Life
coverage
conversion
privileges,
but
no
Health
policy
conversions
b.
Remain
in
the
employer's
group
for
a
limited
period
of
time
c.
Rollover
an
employer's
Group
policy
into
that
of
another
employer
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