Sections 4 and 5 Exam Fall 2009: True / False Questions

Sections 4 and 5 Exam Fall 2009
True / False Questions

1. A job tends to have less of a long-tem commitment to a field than a caee. TRUE
2. A !ossible o!!ot"nit# cost associated $ith caee advancement is a need to elocate #o"
ho"sehold. TRUE
%. &ibaies "s"all# have a vaiet# of infomation so"ces fo caee !lanning and job
ex!loation. TRUE
4. Ed"cation' taining' and the demands fo a !eson(s s)ills ae majo infl"ences on sala#.
TRUE
5. A tax-exem!t em!lo#ee benefit is "s"all# moe advantageo"s than a tax-defeed benefit.
TRUE
*. +he !"!ose of a cove lette is to detemine if a com!an# has jobs available. FALSE
,. A tele!hone intevie$ is eseved fo onl# the finalists in a job seach. FALSE
Multiple Choice Questions
-. .om!aed to a job' a caee/
A. is often less financiall# e$ading.
0. e1"ies minim"m taining.
C. demands eg"la "!dating of )no$ledge.
2. has limited o!!ot"nities fo advancement.
2-1
9. A3n4 555555555555 is an em!lo#ment !osition that is obtained mainl# to ean mone#.
A. caee
B. job
.. intenshi!
2. a!!enticeshi!
E. coo!eative ex!eience

10. A commitment to a !ofession that e1"ies contin"ed taining and offes a clea !ath fo
occ"!ational go$th is a3n4/
A. a!!enticeshi!.
0. job.
.. intenshi!.
D. caee.
E. coo!eative em!lo#ment ex!eience.
11. 6at"al abilities that !eo!le !ossess ae/
A. inteests.
B. a!tit"des.
.. attit"des.
2. s"vival s)ills.
E. occ"!ation techni1"es.
12. +he abilities to $o) $ell $ith n"mbes' !ossess !oblem-solving s)ills' and have !h#sical
dexteit# ae exam!les of/
A. inteests.
0. s"vival s)ills.
C. a!tit"des.
2. occ"!ational attit"des.
E. on-the-job taining.
1%. 0ab 7otch)ins is in the 2- !ecent tax bac)et. A tax-exem!t em!lo#ee benefit $ith a
val"e of 8500 $o"ld have a tax-e1"ivalent val"e of/
A. 8*94.
0. 852-.
.. 8500.
2. 8%*0.
E. 8140.

2-2
14. +ax-defeed em!lo#ee benefits ae
A. not s"bject to fedeal income tax.
0. not s"bject to state income tax.
C. taxed at some f"t"e time.
2. ae taxed at a s!ecial ate.
15. +he !"!ose of a cove lette is to/
A. obtain caee !lanning infomation.
0. e1"est a efeence fo a job.
.. develo! 9s"m9 infomation.
2. eseach a caee aea.
E. a!!l# fo a job.
1*. An intevie$ designed to ed"ce the n"mbe of candidates fo a !osition to a $o)able
si:e is a3n4 555555555555 intevie$.
A. sceening
0. infomational
.. selection
2. contact
E. follo$"!
1,. A"stin ;"ess has $itten his es"me and had it chec)ed b# his caee !lacement cente fo
eos. 7e !lans on sending it to thee com!anies he has identified as having job o!enings.
<hich ste! in the caee !lanning !ocess is A"stin com!leting=
A. Assess and eseach !esonal goals and abilities
0. Eval"ate the em!lo#ment ma)et to identif# s!ecific em!lo#ment o!!ot"nities
C. 2evelo! a es"me and cove lette to a!!l# fo s!ecific !ositions
2. >ntevie$ fo s!ecific !ositions and assess the intevie$ !efomance
E. Eval"ate financial and othe factos of !ositions offeed
1-. ?ason &iang has gotten thee job offes. 7e is no$ loo)ing at the benefits !ac)ages of all
thee to see $hat he li)es and doesn(t li)e abo"t all thee. <hich ste! in the caee !lanning
!ocess is ?ason com!leting=
A. Assess and eseach !esonal goals and abilities
0. Eval"ate the em!lo#ment ma)et to identif# s!ecific em!lo#ment o!!ot"nities
.. 2evelo! a es"me and cove lette to a!!l# fo s!ecific !ositions
2. >ntevie$ fo s!ecific !ositions and assess the intevie$ !efomance
E. Eval"ate financial and othe factos of !ositions offeed

2-%
19. ?ennife 2ofsab $ants to gain some em!lo#ment ex!eience so $hen she is ead# to stat
a caee she has some things to offe a com!an#. She has decided to $o) 20 ho"s a $ee) fo
a local acco"nting fim ans$eing the !hone and assisting the !atnes in com!leting tax
et"ns. <hich of the follo$ing em!lo#ment ex!eience stategies is she !"s"ing=
A. @at-+ime Em!lo#ment
0. Aol"ntee <o)
.. >ntenshi!
2. .am!"s @oject
E. .oo!eative Ed"cation @ogam
20. +aa ;"est $ants to gain some needed ex!eience so $hen she is ead# to stat a caee
she has some things to offe a com!an#. She has decided to hel! the Edmond 7istoical
Societ# "n thei booths that ex!lain the !at Edmond !la#ed in the B)lahoma &and C"n fo
Edmond school childen. <hich of the follo$ing em!lo#ment ex!eience stategies is she
!"s"ing=
B. Aol"ntee <o)
.. >ntenshi!
2. .am!"s @oject
21. &isa +otte $ants to gain some needed ex!eience so $hen she is ead# to stat a caee
she has some things to offe a com!an#. She has decided to hel! $ith the homecoming !aade
fo the Dnivesit# of .ental B)lahoma $hee she goes to school f"ll time. <hich of the
follo$ing em!lo#ment stategies is she !"s"ing=
0. Aol"ntee <o)
.. >ntenshi!
D. .am!"s @oject

22. &oi 0"o"ghs $ants to gain some needed ex!eience so $hen she is ead# to stat a
caee she has some things to offe a com!an#. She has tal)ed to the caee !lacement cente
at he "nivesit#. +he# tell he she can get a job $ith a local com!an# fo the s"mme and ean
college cedit $hile $o)ing. <hich of the follo$ing em!lo#ment stategies "s she !"s"ing=
0. Aol"ntee <o)
C. >ntenshi!
2. .am!"s @oject

2-4
True / False Questions

2%. +he Dnited States has the lo$est !e ca!ita medical ex!endit"es of an# ind"stiali:ed
co"nt# in the $old. FALSE
24. +he best $a# to avoid the high cost of illness is to sta# $ell. TRUE
25. +he n"mbe of Ameicans $itho"t basic health ins"ance has been deceasing since the
19-0s. FALSE
9. (p. 344) ;o"! health ins"ance !lans com!ise abo"t 90 !ecent of all health ins"ance
iss"ed b# health and life ins"ance com!anies.
TRUE

10. (p. 344) ;o"! health ins"ance $ill cove #o" b"t not #o" immediate famil#.
FALSE

14. (p. 345) Ae# fe$ go"! health !olic# contacts have a coodination of benefits !ovision.
FALSE

1*. (p. 345) A good health ins"ance !lan sho"ld offe basic coveage fo hos!ital and docto
bills.
TRUE

1-. (p. 346) Eoe !eo!le have hos!ital ins"ance than an# othe )ind of health ins"ance.
TRUE
2-5

21. (p. 346) 0asic health ins"ance coveage incl"des hos!ital ex!ense ins"ance' s"gical
ex!ense ins"ance' and !h#sician ex!ense ins"ance.
TRUE

22. (p. 346) A ded"ctible !ovision e1"ies the !olic#holde to !a# a basic amo"nt befoe the
!olic# benefits begin.
TRUE

2*. (p. 346) @h#sician ex!ense ins"ance is ex!ensive' theefoe' it sho"ld be avoided.
FALSE

Bloom's: Knowledge
Difficulty: Medium
Le!ning "#$ecti%e: &&'3

2,. (p. 356) A coins"ance !ovision e1"ies the !olic#holde to shae the ex!enses be#ond the
ded"ctible amo"nt.
TRUE

Bloom's: (omp!e)ension
Difficulty: *sy

2-. (p. 346) A sto!-loss !ovision e1"ies the !olic#holde to !a# "! to a cetain amo"nt' afte
$hich the ins"ance com!an# !a#s 100 !ecent of all emaining coveed ex!enses.
TRUE

Difficulty: Medium

2-*
29. (p. 35+) .om!ehensive majo medical ins"ance is a t#!e of majo medical ins"ance that
has a ve# high ded"ctible amo"nt.
FALSE

Bloom's: Knowledge
Difficulty: Medium

%0. (p. 34+) A hos!ital indemnit# !olic# !a#s benefits onl# $hen #o" ae hos!itali:ed and onl#
to the hos!ital $hee the cae $as !ovided.
FALSE

Bloom's: Knowledge
Difficulty: Medium

%1. (p. 34+) +he hos!ital indemnit# !olic# is a good s"bstit"te fo basic o majo medical
!otection.
FALSE

Difficulty: Medium

%2. (p. 34+) 2ead disease and cance !olicies ae "s"all# ve# good val"es.
FALSE

Difficulty: Medium

2-,
%%. (p. 34+) &ong-tem cae ins"ance $as vit"all# "n)no$n 25 #eas ago' b"t no$ it is
go$ing faste than an# othe fom of ins"ance.
TRUE

Bloom's: Knowledge
Difficulty: *sy

%4. (p. 354) 0l"e .oss !lans !ovide fo s"gical and medical sevices !efomed b#
!h#sicians.
FALSE

Bloom's: Knowledge
Difficulty: Medium

%5. (p. 354) 0l"e Shield !lans !ovide hos!ital cae benefits on essentiall# a Fsevice t#!eF
basis.
FALSE

Bloom's: Knowledge
Difficulty: Medium

%*. (p. 356) @efeed @ovide Bgani:ations combine the best elements of the fee-fo-sevice
and 7EB s#stems.
TRUE

Difficulty: *sy

2--
%,. (p. 35,) @"blic o!inion !olls consistentl# sho$ that Ameicans ae ha!!# $ith the nation(s
health cae s#stem.
FALSE

Bloom's: Knowledge
Difficulty: Medium

%-. (p. 35,) @at A of Eedicae !a#s fo all coveed sevices fo in!atient hos!ital cae afte #o"
!a# a single ann"al ded"ctible.
TRUE

Bloom's: Knowledge
Difficulty: Medium

%9. (p. 3+-) Eediga! ins"ance' intended to s"!!lement Eedicae' is sold and seviced b# the
fedeal govenment.
FALSE

Bloom's: Knowledge
Difficulty: *sy

40. (p. 36&) Eedicaid is administeed b# each state $ithin cetain boad fedeal e1"iements and
g"idelines.
TRUE

Bloom's: Knowledge
Difficulty: Medium

2-9
41. (p. 36&) Eedicae does not cove the ex!enses of !ivate-d"t# n"sing cae.
TRUE

Bloom's: Knowledge
Difficulty: Medium

42. (p. 35,) +$o so"ces of govenment health ins"ance ae Eedicae and Eedicaid.
TRUE

Bloom's: Knowledge
Difficulty: Medium

4%. (p. 35,) Eedicae has t$o !ats/ hos!ital ins"ance 3@at A4 and medical ins"ance 3@at 04.
TRUE

Bloom's: Knowledge
Difficulty: Medium

44. (p. 35,) Eedicae hos!ital ins"ance 3@at A4 is financed fom a !otion of the Social
Sec"it# tax.
TRUE

Bloom's: Knowledge
Difficulty: *sy

45. (p. 35.) +o get Eedicae medical ins"ance 3@at 04 #o" m"st sign fo it and !a# a monthl#
!emi"m.
TRUE

Bloom's: Knowledge
Difficulty: Medium

2-10
4*. (p. 36&) S)illed n"sing cae be#ond 100 da#s !e benefit !eiod is a!!oved and coveed b#
Eedicae.
FALSE

Bloom's: Knowledge
Difficulty: Medium

4,. (p. 36&) Eedicae coves o"tine chec)"!s' dental cae' most imm"ni:ations' cosmetic
s"ge#' o"tine foot cae' e#eglasses' and heaing aids.
FALSE

Bloom's: Knowledge
Difficulty: /!d

4-. (p. 36&) Eedicae coves the cost of cae eceived o"tside the Dnited States' .anada' and
Eexico.
FALSE

Bloom's: Knowledge
Difficulty: *sy

49. (p. 36&) Eedicae $as neve intended to !a# all medical costs.
TRUE

Difficulty: Medium

50. (p. 36-) Eedicae S"!!lement ins"ance is a govenment-s!onsoed !ogam.
FALSE

Bloom's: Knowledge
Difficulty: Medium

2-11
51. (p. 36-) +itle G>G of the Social Sec"it# Act !ovides fo a !ogam of medical assistance to
cetain lo$-income individ"als and families.
TRUE

Bloom's: Knowledge
Difficulty: Medium

52. (p. 363) Eedicaid is financed b# both state and fedeal f"nds.
TRUE

Bloom's: Knowledge
Difficulty: *sy

5%. (p. 363) Ae# fe$ membes of the Eedicaid !o!"lation ae also coveed b# Eedicae.
FALSE

Bloom's: Knowledge
Difficulty: Medium

54. (p. 363) Eedicaid diffes fom Eedicae beca"se eligibilit# fo Eedicaid de!ends on having
ve# lo$ income and assets.
TRUE

Difficulty: /!d

55. (p. 363) 0eca"se Eedicaid coveage is ve# limited' !eo!le "sing it need to !"chase
s"!!lemental ins"ance.
FALSE

Difficulty: /!d

2-12
5*. (p. 364) +he 2e!atment of 7ealth and 7"man Sevices maintains one of the ichest and
most eliable so"ces of infomation on the >ntenet.
TRUE

Bloom's: Knowledge
Difficulty: *sy

5,. (p. 365) 2isabilit# income ins"ance benefits !ovide eg"la cash income lost b# em!lo#ees
as the es"lt of an accident' illness' o !egnanc#.
TRUE

Difficulty: Medium

5-. (p. 3+-) Bnce a !eson is eligible' Eedicaid !ovides moe benefits than does Eedicae.
TRUE

Bloom's: Knowledge
Difficulty: /!d

59. (p. 365) ?"st abo"t eve# $o)e is coveed b# disabilit# income ins"ance.
FALSE

Bloom's: Knowledge
Difficulty: Medium

*0. (p. 366) 0asicall#' the $od disabilit# has onl# one definition.
FALSE

Bloom's: Knowledge
Difficulty: Medium

2-1%
*1. (p. 365) Eost !eo!le ae moe li)el# to lose thei income d"e to death than d"e to disabilit#.
FALSE

Bloom's: Knowledge
Difficulty: Medium

*2. (p. 366) ;ood disabilit# !lans !a# $hen #o" ae "nable to $o) at #o" eg"la jobH !oo
disabilit# !lans !a# onl# $hen #o" ae "nable to $o) at an# job.
TRUE

Difficulty: *sy

*%. (p. 366) 2isabilit# benefits begin on the fist da# #o" ae disabled.
FALSE

Bloom's: Knowledge
Difficulty: Medium

*4. (p. 366) ;eneall#' disabilit# income !olicies $ith shote $aiting !eiods have lo$e
!emi"ms.
FALSE

Difficulty: Medium

*5. (p. 366) Io" sho"ld see) a disabilit# !olic# that !a#s benefits fo life.
TRUE

Bloom's: Knowledge
Difficulty: Medium

2-14
**. (p. 36+) &oo) fo a disabilit# income !olic# that $aives !emi"ms $hile #o" ae disabled.
TRUE

Bloom's: Knowledge
Difficulty: Medium

*,. (p. 36+) +he !emi"m fo noncancelable and g"aanteed ene$able coveage is highe' b"t
the coveage is $ell $oth the exta cost.
TRUE

Difficulty: Medium

*-. (p. 36+) Ae# fe$ em!lo#es !ovide disabilit# income !otection fo thei em!lo#ees
tho"gh the go"! ins"ance !lans.
FALSE

Bloom's: Knowledge
Difficulty: *sy

*9. (p. 36+) Dnfot"natel#' most salaied $o)es in the Dnited States do not !atici!ate in the
Social Sec"it# !ogams.
FALSE

Bloom's: Knowledge
Difficulty: *sy

2-15
Multiple Choice Questions

,0. (p. 33.) <hat has become one of the most im!otant iss"es of o" time=
A. Affodable health cae
0. Affodable ho"sing
.. Affodable a"tomobiles
2. Affodable vacations

Bloom's: Knowledge
Difficulty: *sy
Le!ning "#$ecti%e: &&'&

,1. (p. 33.) <hich co"nt# has the highest !e ca!ita medical ex!endit"es of an# ind"stiali:ed
co"nt# in the $old=
A. A"stalia
0. 0itain
.. .anada
2. 2enma)
E. D.S.A.

Bloom's: Knowledge
Difficulty: Medium

,2. (p. 34-) <hich one3s4 of the follo$ing go"!s has 3have4 "ndeta)en innovative activities to
contain the costs of health cae=
A. Em!lo#es
0. labo "nions
.. health ins"es
2. .ons"mes
E. All of the choices have "ndeta)en activities.

Bloom's: Knowledge
Difficulty: Medium

2-1*
,%. (p. 34-) <hich of the follo$ing is an innovative $a# concened go"!s ae containing health
cae costs=
A. >ncentives to enco"age !eventive cae
0. Enco"agement of !e!aid go"! !actices
.. Establishment of comm"nit# ed"cation !ogams so !eo!le can lean to ta)e bette cae of
themselves
2. Enco"agement b# doctos to !a# cash fo o"tine medical costs
E. All of the choices ae innovative $a#s concened go"!s ae containing health cae costs

Difficulty: Medium

,4. (p. 34&) <hat ae some !ossible easons fo high and ising costs of health=
A. the "se of so!histicated and high-!iced e1"i!ment
0. medical !esonnel $ho command high eanings
.. innovative b"t costl# teatment fo some illnesses
2. the inceasing n"mbe and longevit# of eldel# !eo!le
E. All ae !ossible easons fo high health cae costs

Bloom's: 0nlysis
Difficulty: *sy

,5. (p. 34-) <hat can #o" do to ed"ce #o" health cae costs=
A. Sta# $ell.
0. ;ain a little exta $eight.
.. Smo)e and din).
2. &ive dangeo"sl#.
E. 2on(t see) medical cae.

Bloom's: Knowledge
Difficulty: *sy

2-1,
,*. (p. 343) <h# have a go$ing n"mbe of st"dents been $itho"t health ins"ance=
A. 0eca"se ins"ance com!anies ef"se to ins"e them
0. 0eca"se st"dents ae #o"ng and health#
.. 0eca"se st"dents don(t need health ins"ance
2. 0eca"se st"dents don(t cae if the# get sic)
E. 0eca"se an olde st"dent !o!"lation is not coveed b# famil# !olicies

Difficulty: Medium
Le!ning "#$ecti%e: &&'-

,,. (p. 343) 7ealth ins"ance incl"des/
A. life ins"ance.
B. 2isabilit# ins"ance.
.. !esonal liabilit# ins"ance.
2. An ann"it#.
E. An endo$ment.

Bloom's: Knowledge
Difficulty: Medium

,-. (p. 344) Eost health ins"ance !olicies in the Dnited States ae sold to/
A. victims of comm"nicable diseases.
0. individ"als $ith families.
.. single individ"als $ith no de!endents.
2. Em!lo#ees and thei de!endents.
E. Em!lo#es' $ho in t"n offe the benefits to em!lo#ees.

Bloom's: Knowledge
Difficulty: Medium

2-1-
,9. (p. 344) <hich health ins"ance coveage e1"ies caef"l sho!!ing beca"se coveage and
cost va# fom com!an# to com!an#=
A. go"! health
B. individ"al health
.. hos!ital ex!ense
2. s"gical ex!ense
E. !h#sician(s ex!ense

Difficulty: Medium

-0. (p. 344) <hich t#!e of health ins"ance !olic# ma# not cove all of #o" health ins"ance
needs o ma# den# benefits if #o" lose #o" job=
A. go"! health
0. individ"al health
.. 0asic health
2. .om!ehensive medical
E. 2isabilit# income

Difficulty: Medium

-1. (p. 346) <hich t#!e of health ins"ance !a#s !at o all of hos!ital bills fo oom' boad' and
othe chages=
A. s"gical ex!ense
B. hos!ital ex!ense
.. !h#sician(s ex!ense
2. 0asic health
E. majo medical

Difficulty: Medium

2-19
-2. (p. 346) 7a# Ea#h"e gets a bad case of the fl" and ends "! in the hos!ital fo thee da#s.
<hich !at of his basic ins"ance coveage sho"ld hel! !a# fo this sta#=
A. 7os!ital Ex!ense >ns"ance
0. S"gical Ex!ense >ns"ance
.. @h#sician Ex!ense >ns"ance
2. Eajo Eedical Ex!ense >ns"ance
E. 6one of the choices

Bloom's: 0nlysis
Difficulty: Medium

-%. (p. 346) ?oe ?ohnson needs s"ge# fo a!!endicitis. <hich !at of his basic ins"ance
coveage sho"ld hel! !a# fo this s"ge#=
B. S"gical Ex!ense >ns"ance

Bloom's: 0nlysis
Difficulty: Medium

-4. (p. 346) ?"lie ."mbie is !la#ing softball and gets h"t sliding into second base. She gets an
x-a# at he docto(s office to ma)e s"e he an)le isn(t bo)en. <hich !at of he basic
ins"ance coveage sho"ld hel! !a# fo this x-a#=
C. @h#sician Ex!ense >ns"ance

Bloom's: 0nlysis
Difficulty: Medium

2-20
-5. (p. 346) x <al)e gets infected $ith the <est 6ile Ai"s and ends "! in the hos!ital fo *
$ee)s. <hat !at of his ins"ance !olic# $o"ld be the most "sef"l fo hel!ing to !a# fo this=
D. Eajo Eedical Ex!ense >ns"ance

Bloom's: 0nlysis
Difficulty: Medium

-*. (p. 345) 6athanial 2"mmond has thee diffeent ins"ance !olicies. 7e has been inj"ed in
an accident and has inc"ed 8%0'000 in medical bills. +hee is a cla"se in all of his ins"ance
contacts the ma)es s"e that he eceives no moe than 8%0'000 in !a#ments fom his
ins"ance com!anies. +his cla"se is called/
A. .oodination of benefits
0. 2ed"ctible
.. .oins"ance
2. Sto!-&oss !ovisions
E. Eajo medical ex!ense ins"ance

Difficulty: Medium

-,. (p. 346) So!hie 0ennett m"st !a# 8500 in docto(s visits befoe he ins"ance com!an# $ill
ma)e an# !a#ments fo doctos visits. +his is called/
B. 2ed"ctible
.. .oins"ance
2. Sto!-&oss !ovision

Difficulty: Medium

2-21
--. (p. 346) So!hie 0ennett has met the ded"ctible fo he docto(s visits. 7o$eve' he ins"ance
com!an# e1"ies he to !a# 20J of all ex!enses above this ded"ctible amo"nt. +his cla"se is
called/
0. Add on ex!enses
C. .oins"ance
2. Sto!-&oss !ovision

Difficulty: Medium

-9. (p. 346) So!hie 0ennett has met the ded"ctible fo he docto(s visits. She has also !aid o"t
20J of all ex!enses above this ded"ctible amo"nt. She has !aid a total of 85000 in docto(s
visits. At this !oint thee is a cla"se in he ins"ance contact that ma)e he ins"ance
com!an# !a# fo 100J of all ex!enses. <hat cla"se is this li)el# to be=
0. Add on ex!enses
.. .oins"ance
D. Sto!-&oss !ovision

Difficulty: Medium

90. (p. 346) Ca#mond .ate has a t#!e of medical ins"ance that has a ve# lo$ ded"ctible and
!a#s fo hos!ital' s"gical' medical and othe bills "nde one !lan. <hat is this called=
A. .om!ehensive Eajo Eedical >ns"ance
0. 7os!ital >ndemnit# @olic#
.. &ong +em .ae >ns"ance
2. .ance >ns"ance @olic#

Difficulty: Medium

2-22
91. (p. 34+) .his ?ones has an ins"ance !olic# that !a#s benefits in cash $hen he is
hos!itali:ed. <hat t#!e of ins"ance $o"ld this be=
B. 7os!ital >ndemnit# @olic#

Difficulty: Medium

92. (p. 34+) Kaen 0l"menthall $as seio"sl# inj"ed in a ca accident and is !aal#:ed fom the
$aist do$n. &"c)il# she has an ins"ance !olic# that $ill !a# fo someone to come in and
hel! $ith he da# to da# activities s"ch as bathing' dessing and ho"sehold choes. <hat t#!e
of ins"ance !olic# is this li)el# to be=
C. &ong +em .ae >ns"ance

Difficulty: Medium

9%. (p. 34+) ?oan <ilde eceives a !hone call fom a salesman $ho ties to sell he an ins"ance
!olic# b# scaing he abo"t he high is) of death fom this disease. She )no$s that this t#!e
of ins"ance !olic# has a notoio"sl# !oo val"e so she !olitel# declines. <hat t#!e of
ins"ance !olic# did this salesman li)el# t# to sell he=
D. .ance >ns"ance @olic#

Difficulty: Medium

2-2%
94. (p. 351) <hich of the follo$ing sho"ld #o" as) abo"t in a long tem cae ins"ance !olic#=
A. +he 2ail# 0enefit
0. +he 0enefit @eiod
.. +he @olic# &imit
2. +he Elimination @eiod
E. All of the choices ae things #o" sho"ld as) abo"t

Difficulty: *sy

95. (p. 351) Eacia F"lle has an ins"ance !olic# that lists that she and he thee da"ghtes' ages
* 10 and 12' ae coveed "nde this !olic#. <hich !ovision in he ins"ance !olic# defines
this=
A. Eligibilit#
0. Assigned 0enefits
.. 0enefit &imits
2. ;"aanteed Cene$able
E. Excl"sions and &imitations

Difficulty: Medium

9*. (p. 35&) 2ean +homas has an ins"ance !olic# that cannot be cancelled "nless he fails to !a#
his !emi"m. <hat !ovision in his ins"ance !olic# $o"ld s!ecif# this=
A. Eligibilit#
.. 0enefit &imits
D. ;"aanteed Cene$able

Difficulty: Medium

2-24
9,. (p. 351) 2aen .hase has an ins"ance !olic# that tells him he can onl# sta# in the hos!ital
fo *0 da#s d"ing the #ea. <hat !ovision in his ins"ance !olic# $o"ld s!ecif# this=
A. Eligibilit#
C. 0enefit &imits

Difficulty: Medium

9-. (p. 351) 0enjamin 6othc"tt has an ins"ance !olic# that does not cove cosmetic s"ge#
li)e the nose job he $o"ld li)e to have. <hat !ovision in his ins"ance !olic# $o"ld s!ecif#
this=
A. Eligibilit#
.. 0enefit &imits

Difficulty: Medium

99. (p. 346) <hich t#!e of health ins"ance !a#s !at o all of the s"geon(s fee fo an
o!eation=
A. s"gical ex!ense
0. hos!ital ex!ense
2. 0asic ex!ense
E. majo medical ex!ense

Bloom's: Knowledge
Difficulty: *sy

2-25
100. (p. 346) <hich t#!e of health ins"ance !a#s fo !h#sician(s cae that does not involve
s"ge#=
A. s"gical ex!ense
0. hos!ital ex!ense
C. !h#sician(s ex!ense
2. 0asic ex!ense

Bloom's: Knowledge
Difficulty: Medium

101. (p. 345) A good health ins"ance !lan sho"ld/
A. !ovide at least one #ea(s hos!ital oom and boad in f"ll.
0. !ovide at least 82 million lifetime maxim"m fo each famil# membe.
.. !a# 100 !ecent fo o"t-of-hos!ital ex!enses.
D. offe basic coveage fo hos!ital and docto bills.

Difficulty: /!d

102. (p. 346) <hich t#!e of ins"ance is "s"all# bo"ght in combination $ith hos!ital and
s"gical ins"ance=
A. 2isabilit# income
0. .om!ehensive majo medical
.. majo medical ex!ense
2. hos!ital indemnit#
E. !h#sician(s ex!ense

Bloom's: Knowledge
Difficulty: Medium

2-2*
10%. (p. 346) <hich t#!e of ins"ance !otects against the lage ex!enses of a seio"s inj"# o a
long illness=
A. 2isabilit# income
B. majo medical ex!ense
.. hos!ital indemnit#
2. !h#sician(s ex!ense
E. inteim medical

Bloom's: Knowledge
Difficulty: Medium

104. (p. 345) A good health ins"ance !lan sho"ld/
A. offe basic coveage fo hos!ital and docto bills.
0. !ovide at least 120 da#s( total oom and boad in f"ll.
.. !ovide at least 81 million lifetime maxim"m fo each famil# membe.
2. im!ose no "neasonable excl"sions.
E. offe all of these.

Difficulty: Medium

105. (p. 346) <hich one of the follo$ing !ovisions e1"ies that the !olic#holde !a# a basic
amo"nt befoe the !olic# benefits begin=
A. .oins"ance
0. sto! loss
C. 2ed"ctible
2. self ins"ance
E. incontestable

Bloom's: Knowledge
Difficulty: Medium

2-2,
10*. (p. 346) 555555555555 is a t#!e of majo medical ins"ance that has a ve# lo$ ded"ctible
amo"nt and is offeed $itho"t an# se!aate basic !lan.
A. .om!ehensive majo medical ins"ance
0. Eajo Eedical ex!ense ins"ance
.. @h#sician(s ex!ense ins"ance
2. 7os!ital ex!ense ins"ance
E. S"gical ex!ense ins"ance

Bloom's: Knowledge
Difficulty: /!d

10,. (p. 34+) <hich health ins"ance !olic# !a#s benefits onl# $hen #o" ae hos!itali:ed' b"t
!a#s these benefits in cash $hich #o" can "se as #o" li)e=
A. hos!ital indemnit#
0. inteim o shot-tem
.. 2isabilit# income
2. .om!ehensive majo medical

Bloom's: Knowledge
Difficulty: /!d

10-. (p. 34+) <hich t#!e of health !olic# is li)e b"#ing a lotte# tic)et=
A. majo medical ex!ense ins"ance
0. .om!ehensive ex!ense ins"ance
.. inteim ex!ense ins"ance
D. hos!ital indemnit# ins"ance
E. !h#sician(s ex!ense ins"ance

Difficulty: Medium

2-2-
109. (p. 34+) 2ental ex!ense ins"ance !ovides eimb"sement fo/
A. oal examinations.
0. fillings.
.. Extactions.
2. inla#s.
E. All of the choices !ovide eimb"sement.

Bloom's: Knowledge
Difficulty: Medium

110. (p. 34+) Accoding to #o" textboo)' s"!!lemental hos!ital indemnit# !lans/
A. ae almost al$a#s excellent b"#s.
0. sho"ld neve be !"chased.
C. do not j"stif# the !emi"m cost.
2. sho"ld be !"chased onl# b# olde !eo!le.
E. ae meant fo co"!les $ith t$o o thee childen.

Bloom's: Knowledge
Difficulty: Medium

111. (p. 34+) <hich t#!e of health ins"ance is sim!l# a bad b"#=
A. >ndivid"al health ins"ance
0. ;o"! health ins"ance
C. 2ead disease and cance !olic#
2. 2ental ins"ance
E. Aision ins"ance

Difficulty: Medium

2-29
112. (p. 346) <hich of the follo$ing is t"e=
A. @h#sician ex!ense ins"ance coveage nomall# incl"des visits to the docto(s office' x-
a#s' and lab tests.
0. 0asic health ins"ance coveage incl"des hos!ital ex!ense ins"ance' s"gical ex!ense
ins"ance' and !h#sician ex!ense ins"ance.
.. A ded"ctible !ovision e1"ies the !olic#holde to !a# a basic amo"nt befoe the !olic#
benefits begin.
D. All of the choices ae t"e.

Bloom's: Knowledge
Difficulty: Medium

11%. (p. 346) <hich of the follo$ing is false=
A. A coins"ance !ovision e1"ies the !olic#holde to shae the ex!enses be#ond the
ded"ctible amo"nt.
0. A sto!-loss !ovision e1"ies the !olic#holde to !a# "! to a cetain amo"nt' afte $hich
the ins"ance com!an# !a#s 100 !ecent of all emaining coveed ex!enses.
C. .om!ehensive majo medical ins"ance is a t#!e of majo medical ins"ance that has a
ve# high ded"ctible amo"nt.
2. All of the choices ae t"e.

Bloom's: Knowledge
Difficulty: Medium

114. (p. 35&) >n choosing health ins"ance' ideall#' #o" sho"ld/
A. get a basic !lan and a majo s"!!lementa# !lan.
0. get dental and vision !lans.
.. b"# dead disease and cance ins"ance !lans.
2. !"chase n"sing home ins"ance.
E. !"chase accident ins"ance.

Difficulty: /!d

2-%0
115. (p. 35&) <hich t#!e of ins"ance is !obabl# the most neglected fom of available ins"ance
!otection=
A. life
0. liabilit#
C. 2isabilit#
2. .a
E. home and !o!et#

Difficulty: Medium

11*. (p. 354) <hich !lan !ovides benefits fo s"gical and medical sevices !efomed b#
!h#sicians=
A. 0l"e .oss
B. 0l"e Shield
.. Eedicae
2. Eedicaid
E. 7EB

Bloom's: Knowledge
Difficulty: Medium

11,. (p. 353) 7ealth ins"ance is available fom/
A. !ivate ins"ance com!anies.
0. 0l"e .oss and 0l"e Shield.
.. 7EBs.
2. @@Bs.
E. All of the choices offe health ins"ance.

Bloom's: Knowledge
Difficulty: Medium

2-%1
11-. (p. 353) <hich one of the follo$ing is not a so"ce of health ins"ance=
A. fatenal ogani:ations
0. tade "nions
.. govenment !ogams s"ch as Eedicae
D. 7ealth >ns"ance >nd"st# Association

Bloom's: Knowledge
Difficulty: Medium

119. (p. 354) Eost !ivate ins"ance com!anies sell health ins"ance !olicies to/
A. individ"als.
0. families.
C. Em!lo#es.
2. Em!lo#ees.

Difficulty: /!d

120. (p. 354) <hich !lan !ovides hos!ital cae benefits on essentiall# a Fsevice t#!eF basis=
A. 0l"e .oss
0. 0l"e Shield
.. managed cae
2. Eedicae
E. Eedicaid

Bloom's: Knowledge
Difficulty: /!d

2-%2
121. (p. 354) <hich health cae instit"tion diectl# em!lo#s o contacts $ith selected medical
cae s!ecialists to give #o" health cae sevices in exchange fo a fixed' !e!aid monthl#
!emi"m=
A. 0l"e .oss
0. 0l"e Shield
.. Eedicae
2. Eedicaid
E. 7EB

Bloom's: Knowledge
Difficulty: Medium

122. (p. 35,) 7os!ital ins"ance @at A. and medical ins"ance @at 0. ae chaacteistics of/
A. 0l"e .oss.
0. 0l"e Shield.
C. Eedicae.
2. Eedicaid.
E. 7EB.

Difficulty: Medium

12%. (p. 36&) <hat is coveed b# Eedicae=
A. intemediate and c"stodial n"sing cae
0. o"t-of-hos!ital !esci!tion d"gs
.. !ivate-d"t# n"sing
2. !h#sician chages above Eedicae(s a!!oved amo"nt
E. 6one of the choices ae coveed

Bloom's: Knowledge
Difficulty: /!d

2-%%
124. (p. 363) <hich health cae !lan is administeed b# each state $ithin cetain boad fedeal
e1"iements and g"idelines=
A. 0l"e .oss
0. 0l"e Shield
.. Eedicae
D. Eedicaid
E. 7EB

Bloom's: Knowledge
Difficulty: Medium

125. (p. 35,) 7os!ital ins"ance 3@at A4 of Eedicae is financed fom !at of the 555555555555
taxes.
A. state income
0. fedeal excise
.. individ"al income
2. .o!oate income
E. Social Sec"it#

Bloom's: Knowledge
Difficulty: /!d

12*. (p. 36&) Eediga! is sold o seviced b#/
A. Eedicae.
0. Eedicaid.
C. !ivate ins"ance com!anies.
2. 7ealth .ae Financing Administation.
E. 6ational >nstit"tes of 7ealth.

Bloom's: Knowledge
Difficulty: /!d

2-%4
12,. (p. 35,) <hich one of the follo$ing is a coect statement abo"t the nation(s health cae
s#stem=
A. Eost Ameicans ae ve# satisfied $ith the nation(s health cae s#stem.
0. Eost Ameicans ae some$hat satisfied.
.. Eost Ameicans don(t cae one $a# o the othe.
D. Ameicans ae "nha!!# $ith o" health cae s#stem.
E. All Ameicans enjo# the best health cae available an#$hee in the $old.

Difficulty: Medium

12-. (p. 36-) <hich one of the follo$ing is a so"ce of govenment health ins"ance=
A. 0l"e .oss
0. 0l"e Shield
C. Eedicae
2. 7EB
E. @@B

Bloom's: Knowledge
Difficulty: *sy

129. (p. 36-) <hich one of the follo$ing is a so"ce of govenment health ins"ance=
A. 0l"e .oss
0. 0l"e Shield
.. 6ational >nstit"tes of 7ealth
2. 7EB
E. Eedicaid

Bloom's: Knowledge
Difficulty: *sy

2-%5
1%0. (p. 35,) Eedicae' a fedeal health ins"ance !ogam $as established in 19*5 fo/
A. !eo!le *5 o olde.
0. !eo!le of an# age $ith !emanent )idne# fail"e.
.. !eo!le $ith cetain disabilities.
D. all of the choices.

Bloom's: Knowledge
Difficulty: Medium

1%1. (p. 35,) ?ose ;on:ales j"st t"ned *5 this #ea. 7e sho"ld a!!l# fo Eedicae benefits at a
local/
A. office of the 6ational >nstit"tes of 7ealth.
0. >CS office.
C. Social Sec"it# office.
2. co"nt# medical hos!ital.
E. 6one of the choices.

Difficulty: *sy

1%2. (p. 35,) 7os!ital ins"ance is $hich !at of Eedicae=
A. @at A
0. @at 0
.. @at .
2. @at 2

Bloom's: Knowledge
Difficulty: *sy

2-%*
1%%. (p. 35,) Eedical ins"ance is $hich !at of Eedicae=
A. @at A
B. @at 0
.. @at .
2. @at 2

Bloom's: Knowledge
Difficulty: *sy

1%4. (p. 35,) 7os!ital ins"ance 3@at A4 of Eedicae hel!s !a# fo/
A. in!atient hos!ital cae.
0. in!atient cae in a s)illed n"sing facilit#.
.. home health cae.
2. hos!ice cae.
E. all of the choices.

Bloom's: Knowledge
Difficulty: /!d

1%5. (p. 35,) Eedicae medical ins"ance 3@at 04 hel!s !a# fo/
A. in!atient hos!ital cae.
B. doctos( sevices and othe medical sevices and s"!!lies not coveed b# hos!ital
ins"ance.
.. home health cae.
2. hos!ice cae.
E. none of the choices.

Bloom's: Knowledge
Difficulty: Medium

2-%,
1%*. (p. 35,) Eedicae medical ins"ance 3@at 04 fo !eo!le *5 o ove is/
A. mandato#.
0. financed b# co!oations.
C. vol"nta#' and #o" m"st sign "! fo coveage.
2. state s"!!oted and !atiall# f"nded b# the 6ational >nstit"tes of 7ealth.

Difficulty: /!d

1%,. (p. 36&) <hich of the follo$ing is coect abo"t Eediga! o EedS"! ins"ance=
A. >t is sold and seviced b# the fedeal govenment.
0. >t is sold and seviced b# the state govenment.
.. >t is sold and seviced b# both the fedeal and state govenments.
D. @ivate ins"ance com!anies sell Eedica! >ns"ance !olicies.

Difficulty: /!d

1%-. (p. 36- '366) <hich of the follo$ing statement is coect abo"t Eedicaid/
A. +he Social Sec"it# Act ceated Eedicaid in 19*5.
0. Eedicaid is a !ogam of medical assistance to cetain lo$-income individ"als and
families.
.. Eedicaid is administeed b# each state $ithin cetain fedeal g"idelines.
2. Eedicaid if financed b# both state and fedeal f"nds.
E. All of the statements ae coect.

Difficulty: /!d

2-%-
1%9. (p. 365) <hich t#!e of ins"ance !ovides fo the !atial e!lacement of income lost b#
em!lo#ees as a es"lt of an accident' illness' etc.=
A. .om!ehensive majo medical
0. majo medical ex!ense
D. 2isabilit# income
E. s"gical ex!ense

Difficulty: *sy

140. (p. 36,) <hich health cae !ogam is administeed b# the .entes fo Eedicae and
Eedicaid' Sevices' a fedeal agenc#=
A. 0l"e .oss
0. 0l"e Shield
C. Eedicae
2. Eedicaid
E. 7EB

Bloom's: Knowledge
Difficulty: Medium

141. (p. 365) 0eca"se #o" ae #o"ng and health# no$' #o" ma# oveloo) the ve# eal need fo/
A. 2isabilit# income ins"ance.
0. health ins"ance.
.. 2ental ins"ance.
2. vision cae ins"ance.
E. liabilit# ins"ance.

Difficulty: *sy

2-%9
142. (p. 366) +he definition of disabilit#/
A. is "nivesall# acce!ted.
B. vaies.
.. is standadi:ed b# Ameican .o"ncil of &ife >ns"ance.
2. is !ovided b# the >ns"ance >nfomation >nstit"te.

Bloom's: Knowledge
Difficulty: Medium

14%. (p. 366) ;ood disabilit# !lans !a# $hen #o" ae/
A. "nable to $o) at #o" eg"la job.
0. "nable to $o) at an# job.
.. on an extended vacation.
2. ill even fo a shot !eiod.
E. fied fom #o" eg"la job.

Difficulty: Medium

144. (p. 366) <ith disabilit# income ins"ance' benefits "s"all# begin/
A. on the fist da# of disabilit#.
B. 0et$een %0 and 90 da#s afte the disabilit# occ"s.
.. on the 10th da# of disabilit#.
2. one #ea afte the stat of the disabilit#.

Bloom's: Knowledge
Difficulty: *sy

2-40
145. (p. 366) +he $aiting !eiod in disabilit# income ins"ance is called 555555555555 !eiod.
A. Excl"sion
0. no benefit
.. .oveage
2. tade-off
E. Elimination

Bloom's: Knowledge
Difficulty: Medium

14*. (p. 366) ;eneall#' disabilit# income !olicies $ith longe $aiting !eiods/
A. have highe !emi"ms.
B. have lo$e !emi"ms.
.. have abo"t the same !emi"m.
2. Ae iss"ed b# smalle ins"ance com!anies.
E. Ae iss"ed b# lage ins"ance com!anies.

Bloom's: Knowledge
Difficulty: *sy

14,. (p. 36+) +he !emi"m fo noncancelable and g"aanteed ene$able disabilit# income
ins"ance is highe/
A. theefoe' #o"nge !eo!le sho"ld s)i! these coveages.
0. hence' the ins"ance com!anies enjo# bette !ofit magins.
.. theefoe' ve# fe$ olde $o)es sho"ld ca# these coveages.
D. b"t the coveages ae $ell $oth the exta cost.

Difficulty: /!d

2-41
14-. (p. 36+) >n most em!lo#e-s!onsoed disabilit# income ins"ance !lans/
A. #o" em!lo#e !a#s !at o all of the cost.
0. #o" !a# all the cost.
.. #o" "nion !a#s all the cost.
2. the Social Sec"it# Administation !a#s most of the !emi"m.
E. the Aeteans Administation foots the bill.

Bloom's: Knowledge
Difficulty: Medium

149. (p. 36,) +he availabilit# and extent of disabilit# income ins"ance/
A. is bette on the <est .oast than on the East .oast.
0. does not va# m"ch in the Dnited States.
C. vaies $idel# in diffeent !ats of the co"nt#' de!ending on em!lo#es.
2. is mandated b# fedeal la$s.
E. is mandated b# state la$s.

Bloom's: Knowledge
Difficulty: /!d

150. (p. 36,) Eost ins"es limit benefits fom all so"ces of ins"ance to no moe than
555555555555 !ecent of #o" ta)e-home !a#.
A. %0-40
0. 40-50
.. 50-*0
2. *0-,0
E. ,0--0

Bloom's: Knowledge
Difficulty: Medium

2-42
151. (p. 36+) ?ohn ;leason is !emanentl# disabled $hile on the job. <hich of the follo$ing is
the most li)el# so"ce of disabilit# income fo ?ohn=
A. 7is em!lo#e
0. Social sec"it#
C. <o)e(s com!ensation
2. An individ"al ins"ance !olic#

Difficulty: Medium

152. (p. 344) <hich of the follo$ing is t"e=
A. ;o"! health ins"ance $ill cove #o" b"t not #o" immediate famil#.
0. ;o"! health ins"ance coves all of #o" health ins"ance needs.
C. ;o"! health ins"ance is the most common health coveage in the D.S.
2. ;o"! health ins"ance t#!icall# coves all an individ"als medical costs.

Difficulty: Medium

15%. (p. 365) Fo $hich of the follo$ing ca"ses does 2isabilit# >ncome >ns"ance not !ovide
eg"la cash fo income lost b# em!lo#ees=
A. Accident
B. 2"g ab"se
.. >llness
2. @egnanc#

Bloom's: Knowledge
Difficulty: Medium

2-4%
154. (p. 366) <hich of the follo$ing is false=
A. ;ood disabilit# !lans !a# $hen #o" ae "nable to $o) at #o" eg"la job.
0. @oo disabilit# !lans !a# onl# $hen #o" ae "nable to $o) at an# job.
C. 2isabilit# benefits begin on the fist da# #o" ae disabled.
2. ;eneall#' disabilit# income !olicies $ith shote $aiting !eiods have lo$e !emi"ms.

Difficulty: Medium

Essay Questions

155. (p. 34&) <h# ae the costs of health ins"ance and health cae inceasing=
Among the easons fo high and ising health cae costs ae the "se of high-!iced e1"i!ment
and !esonnel' inceases in the vaiet# and fe1"enc# of teatments' innovative b"t costl#
teatment of some illnesses' thid-!at# !a#ments' too man# hos!ital beds and too m"ch
d"!lication of facilities' and the lac) of incentives to ma)e the most economical "se of health
cae sevices.

Difficulty: Medium

15*. (p. 343) <hat is the im!otance of health ins"ance and disabilit# ins"ance in !esonal
financial !lanning=
0oth !otections sho"ld be a !at of #o" oveall ins"ance !ogam to safeg"ad #o"
famil#(s economic sec"it#.

Difficulty: Medium

2-44
15,. (p. 346) <hat ae the five basic t#!es of health ins"ance= <hat ae thei benefits and
limitations=
Five basic t#!es of health ins"ance ae available "nde go"! and individ"al !olicies/ hos!ital
ex!ense ins"ance' s"gical ex!ense ins"ance' !h#sician(s ex!ense ins"ance' majo medical
ex!ense ins"ance' and com!ehensive medical ins"ance. +he benefits and limitations of
each !olic# diffe. >deall#' #o" sho"ld get a basic !lan and a majo medical !olic# that
combines the val"es of both of these !lans in a single !olic#.

Difficulty: Medium

15-. (p. 353 2 35+) <hat ae !ivate so"ces of health cae ins"ance=
7ealth ins"ance and health cae ae available fom !ivate ins"ance com!anies' hos!ital and
medical sevice !lans s"ch as 0l"e .ossL0l"e Shield' health maintenance ogani:ations
37EBs4' !efeed !ovide ogani:ations 3@@Bs4' health associations' home health agencies'
and em!lo#e self-f"nded health !lans.

Bloom's: Knowledge
Difficulty: Medium

159. (p. 35, 2 365) <hat ae govenment so"ces of health cae ins"ance=
+he fedeal govenment and state govenments offe health coveage in accodance $ith la$s
that define the !emi"ms and benefits. +$o $ell-)no$n govenment health !ogams ae
Eedicae and Eedicaid.

Bloom's: Knowledge
Difficulty: *sy

2-45
1*0. (p. 365) <hat is disabilit# income ins"ance= <hat ae the majo so"ces of disabilit#
income ins"ance=
2isabilit# income ins"ance benefits !ovide eg"la cash income lost b# em!lo#ees as the
es"lt of an accident' illness' o !egnanc#. So"ces of disabilit# income ins"ance incl"de
#o" em!lo#e' social sec"it#' $o)es( com!ensation' the Aeteans Administation' the
fedeal govenment' state govenments' "nions' and !ivate ins"ance.

Bloom's: Knowledge
Difficulty: Medium

2-4*

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