6.03 Health and Disability Insurance

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Health and Disability Insurance Review

1. Health costs may vary widely due to type, co-pay, and deductibles.
   1. True
   2. False

   Answer: a. True

2. Obamacare is a health insurance plan.
   1. True
   2. False

   Answer: b. False

3. Which of the following is a health insurance plan that covers all citizens?
   1. HMOs
   2. PPOs
   3. Obamacare
   4. single-payer plans

   Answer: d. single-payer plans

4. Disability insurance will replace all your income lost when you are unable to work because of illness or injury.

   1. True
   2. False

   Answer: b. False

5. Medicare is the federal government program that provides health insurance for people with low incomes.
   1. True
   2. False

   Answer: b. False

6. Which of the following health plans pays nursing homes a daily rate?
   1. medicare
   2. medicaid
   3. long-term care
   4. disability

   Answer: c. long-term care

7. Which of the following health plans requires pre-approval if you wish to use a health care provider outside of the network?
   1. HMO
   2. PPO
   3. medicare
   4. disability

   Answer: a. HMO

8. Blue Cross and Blue Shield of Alabama is an example of which type of health insurance plan?
   1. HMO
   2.  PPO
   3. medicare
   4. disability

   Answer: b.  PPO

9. Illegal immigrants are eligible for Medicaid, but not Medicare.
   1. True
   2. False

   Answer: b. False

10. Which of the following is not true about Obamacare?
    1. eliminates pre-existing conditions
    2. allows children up to age 24 to stay on their parents policies
    3. gives you more rights to appeal insurance company decisions
    4. mandates that everyone who can afford it must obtain and maintain health insurance

    Answer: b. allows children up to age 24 to stay on their parents policies