CLAHS California Life, Accident and Health or Sickness Examination - Set 2 - Part 3

Test your knowledge of technical writing concepts with these practice questions. Each question includes detailed explanations to help you understand the correct answers.

Question 41: Among a health reimbursement arrangement, a health savings account, and a flexible spending arrangement, which one is individually owned, portable, and requires a high-deductible health plan?

The health reimbursement arrangement

The flexible spending arrangement

Both the HRA and the FSA

The health savings account

Question 42: Under the Affordable Care Act, dental and vision coverage for children must be made available because pediatric services carry which status?

They are essential health benefits

They are optional add-on riders

They are excluded from all plans

They are limited to group plans only

Question 43: Under the Affordable Care Act, how are adult dental and adult vision coverage generally treated?

As mandatory essential health benefits

As coverage banned for adults

As optional, not essential health benefits

As benefits available only through Medicare

Question 44: In dental coverage, treatment of the pulp of a tooth, such as a root canal, falls under which category of dental treatment?

Periodontics

Prosthodontics

Orthodontics

Endodontics

Question 45: In a medical expense plan, the amount of covered expense the insured must pay first each year before the insurer begins paying is known as which of the following?

The coinsurance

The deductible

The copayment

The premium

Question 46: Coinsurance differs from a copayment because coinsurance is calculated as which of the following?

A flat dollar amount per service

A fixed monthly premium

A percentage of covered expenses

The annual deductible amount

Question 47: Once an insured's out-of-pocket spending reaches the stop-loss, or maximum out-of-pocket, limit for the year, what happens to the insured's cost sharing?

The insurer pays all further covered expenses

The deductible doubles for the year

The insured pays all remaining bills

Coverage is suspended until renewal

Question 48: When a person is covered under two group health plans, the rule deciding which plan pays first and preventing double recovery is known as which of the following?

Subrogation

The corridor deductible

Capitation

Coordination of benefits

Question 49: A period of days at the start of a disability during which no benefits are payable, functioning much like a time deductible, is known as which of the following?

The grace period

The probationary period

The elimination period

The free look period

Question 50: A period after the premium due date during which an overdue premium may still be paid and the policy remains in force is known as which of the following?

The grace period

The elimination period

The probationary period

The reinstatement period

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