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Which one of the following would be your best selection if you could only choose one of the following types of insurance?


A) A basic plan combined with a major medical plan
B) Combined dental and vision plan
C) Dread disease and cancer plan
D) Long-term care
E) Accident

F) B) and C)
G) All of the above

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Group health insurance plans comprise about _____ percent of all the health insurance issued by health and life insurance companies.


A) 60
B) 70
C) 80
D) 90
E) 100

F) C) and E)
G) D) and E)

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The prescription to stay healthy includes getting sufficient rest,relaxation,and exercise.

A) True
B) False

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By 2024,annual health care spending is expected to grow to almost _____percent of GDP.


A) 1%
B) 10%
C) 11%
D) 15%
E) 20%

F) None of the above
G) B) and D)

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The Affordable Health Act of 2010 requires new health plans to allow young people to remain on their parents' insurance policy until what age?


A) 23
B) 24
C) 25
D) 26
E) 27

F) C) and E)
G) B) and E)

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What is disability income insurance? What are the major sources of disability income insurance?

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Disability income insurance benefits pro...

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Medicare medical insurance is:


A) mandatory.
B) financed by corporations.
C) voluntary, and you must sign up for coverage.
D) state supported and partially funded by the National Institutes of Health.
E) paid for by state governments.

F) All of the above
G) A) and B)

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Medicare supplement insurance is a government-sponsored program.

A) True
B) False

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Medical insurance is which part of Medicare?


A) Part A
B) Part B
C) Part C
D) Part D
E) Part E

F) C) and E)
G) B) and C)

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Physician expense insurance coverage excludes visits to the doctor's office,x-rays,and lab tests.

A) True
B) False

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Besides preventive care,HMOs provide a comprehensive range of other health care services.What are they?

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These serv...

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Which of the following requires large employers to provide health insurance coverage to all employees?


A) The COBRA of 1986
B) The HIPAA of 1996
C) The Centers for Medicaid Services
D) The Centers for Medicare Services
E) The Affordable Care Act of 2010

F) D) and E)
G) A) and B)

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The premium for noncancelable and guaranteed renewable coverage is higher,but the coverages are well worth the extra cost.

A) True
B) False

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People often buy surgical expense insurance in combination with hospital expense insurance.

A) True
B) False

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Sophie Bennett has personally paid a total of $5,000 in medical costs this year,which is the out-of-pocket limit listed in her insurance plan.At this point,there is a provision in her insurance contract that requires her insurance company to pay 100% of her medical costs for the remainder of the year.What provision is this likely to be?


A) Coordination of benefits
B) Hospital indemnity clause
C) Coinsurance
D) Stop-loss provision
E) Major medical expense provision

F) A) and B)
G) A) and C)

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Hospital insurance and medical insurance are characteristics of:


A) Blue Cross.
B) Blue Shield.
C) Medicare.
D) Medicaid.
E) HMO.

F) A) and E)
G) All of the above

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Describe the five basic types of health insurance?

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Several types of health insurance covera...

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To qualify for disability income under Social Security,you must be totally disabled for _____ months or more,and you must be unable to do any work.


A) 1
B) 3
C) 6
D) 9
E) 12

F) None of the above
G) B) and D)

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Jamal Walker developed a serious infection and spent 6 months in his hospital's intensive care unit.What part of his health insurance policy would be the most useful for helping to pay for this?


A) Hospital expense
B) Surgical expense
C) Physician expense
D) Major medical expense
E) Medicare Part B

F) D) and E)
G) None of the above

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Every year,what percent of the adult U.S.population suffers a long-term disability?


A) 12
B) 14
C) 18
D) 23
E) 25

F) A) and D)
G) A) and C)

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