Health Issues In America Exam - CFP
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1. Activities of Daily Living (ADLs) include the following:
A. Feeding, bathing, dressing, toileting, transferring, ambulating B. Meal preparation, grocery shopping, taking medicine C. Feeding, toileting, getting around outside for shopping D. Walking, making phone calls, doing light work
ABCD
2. In the group insurance plan, individuals generally enjoy all of the following EXCEPT:
A. Pre-existing conditions are automatically with no waiting period B. Benefits are frequently higher C. Medical exams are not often required D. Deductibles are lower
3. Preferred Provider Organizations (PPOs) are:
A. Different from HMOs B. Similar to HMO as there is a network of providers C. Similar to HMO as both HMO and PPO enrollees must choose a Primary Care Physician D. Similar to HMO as both HMO and PPO bear insurance risk
4. The major settling point of HMO and the reason for its name is because:
A. HMOs' main focus is on reducing cost B. HMOs provide health care services by certified physicians working under an HMO agreement C. HMOs' main focus is on preventive, rather than acute care D. HMOs operate under federal and state laws
5. Long-term care is:
A. For people who need a nursing home B. For elderly people who need skilled care C. For people who need help in their daily activities of living over a long period of time D. For elderly people with chronic diseases
6. The purpose of health insurance is to provide all of the following EXCEPT:
A. Benefits for covered sickness or injury B. Protection for agreed price against the cost resulting from specific health risks C. Supplemental income at retirement D. Pay for all or a part of the expenses of medical treatment and associated costs
7. If a Medicare Managed Care plan or Private Fee-for Service plan coverage ends because the plan is leaving the Medicare program or will no longer give care in the beneficiary's area, there are certain Medigap protections:
A. A beneficiary is entitled to buy any Medigap plan B. A beneficiary is entitled to buy any Medigap plan, but the premium can be raised because of past or present health problems C. A beneficiary is entitled to buy Medigap plans A, B, C, or F that are sold in the beneficiary's state, provided he or she applied within a 63 calendar day period after the health coverage ends D. A beneficiary is entitled to buy Medigap plans A, B, C, or F provided he or she applied within a 63 calendar day period after the health coverage ends, but the premium can be raised because of past or present health problems
8. Medicare Part B beneficiaries are entitled to:
A. Doctor's services, inpatient and outpatient medical surgical services limited to a specified number of days B. Inpatient and outpatient surgical services on unlimited basis C. Doctor's services, inpatient and outpatient medical and surgical services on unlimited basis D. Doctor's services, inpatient and outpatient medical and surgical services on unlimited basis, provided they are certified as medically necessary and approved
9. Insurance agents are:
A. People who may place insurance with any insurance company B. Employees of a company and represent one particular company C. Agents who are representatives of the insured person D. Those where the buyer's interest is of greater concern to an insurance agent than the interest of the company
10. The only Medigap plans that provides Basic Drug Benefit are:
A. F and H B. H and I C. H and J D. F and J
11. The two main types of health insurance are:
A. Managed Care and Medicaid B. Individual insurance and Medicare C. Group insurance and Individual insurance D. Individual insurance and Medicaid
12. An average hospitalization plan usually does not cover the following:
A. If the injury or sickness is covered by Workers' Compensation B. If the beneficiary is in the armed services C. If the beneficiary is a Medicare patient D. All of the above
13. The only Medigap plans that have a high deductible option are:
A. F and J B. E and J C. D and G D. F and H
14. There are certain rules in all Medicaid programs that limit the transfer of assets and income to obtain eligibility. Usually any of the following is true EXCEPT:
A. Only the income and assets of the applicant requiring care are considered B. Husbands and wives are legally responsible for each other C. In most cases, parents bear responsibility for the children under the age of 21 D. Children of the age 21 and older bear responsibility for their parents
15. Coverage for hospital expenses mainly include:
A. Room and board charges and a private telephone B. Room charges and hospital miscellaneous C. Room and board charges and hospital miscellaneous D. Private room and board charges and hospital miscellaneous
16. All these statements about Medicare enrollment periods are true EXCEPT:
A. Special enrollment period begins on the day the person becomes 65 and last for 8 months B. If a person is disabled and covered under a group plan of a family member, the special enrollment period in this case is from the day of disability until 8 months after a person is disabled C. A person eligible for Medicare Part A and B can enroll any time after he or she is 65 or older. This period is called the initial enrollment period D. The general enrollment period last 3 months
17. Disability income insurance comes from all the following major sources EXCEPT:
A. A variety of charitable organizations set up for the sole purpose of protecting the income earning potential for individuals that have no coverage elsewhere B. A variety of government sponsored