Chapter 11 – Health, Disability, and Long-Term Care Insurance
76. (p. 356) Joe Johnson needs surgery for appendicitis. Which part of his basic insurance
coverage should help pay for this surgery?
77. (p. 356) Julie Cumbie is playing softball and gets hurt sliding into second base. She gets an
x-ray at her doctor’s office to make sure her ankle isn’t broken. Which part of her basic
insurance coverage should help pay for this x-ray?
78. (p. 356) Jamal Walker developed a serious infection and spent 6 months in his hospital’s
intensive care unit. What part of his insurance policy would be the most useful for helping to
pay for this?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
79. (p. 355) Nathanial Drummond has three different insurance policies. He has been injured in
an accident and has incurred $30,000 in medical bills. There is a clause in all of his insurance
contracts that ensures he receives no more than a total of $30,000 in payments from his
insurance companies. What is this clause called?
80. (p. 356) Each year, Sophie Bennett must pay $500 for doctor’s visits before her insurance
company will make any payments for doctor’s visits. What is this requirement called?
81. (p. 356) Sophie Bennett is required to pay 20 percent of her medical costs up to a stated
dollar limit. What is this requirement called?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
82. (p. 357) Sophie Bennett has personally paid a total of $5,000 in medical costs this year. At
this point, there is a clause in her insurance contract that requires her insurance company to
pay 100% of her medical costs for the remainder of the year. What clause is this likely to be?
83. (p. 357) Raymond Carter has a type of medical insurance that has a very low deductible and
pays for hospital, surgical, medical, and other bills under one plan. What type of insurance
does he have?
84. (p. 357) Chris Jones has an insurance policy that pays benefits in cash when he is
hospitalized. What type of insurance would this be?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
85. (p. 358) Karen Blumenthall was seriously injured in a car accident and is paralyzed from the
waist down. Luckily, she has an insurance policy that will pay for someone to come in and
help with her day-to-day activities such as bathing, dressing, and household chores. What type
of insurance policy is this likely to be?
86. (p. 357-358) Joan Wilder receives a phone call from a salesperson who tries to sell her an
insurance policy by scaring her about her high risk of death from this disease. She knows that
this type of insurance policy has a notoriously poor value so she politely declines. What type
of insurance policy did this salesperson likely try to sell her?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
87. (p. 360) Which of the following should you ask about when considering a long-term care
insurance policy?
88. (p. 359) Marcia Fuller has an insurance policy that lists that she and her three daughters, ages
6, 10, and 12, are covered under this policy. Which provision in her insurance policy is
defined by this list?
89. (p. 361) Dean Thomas has an insurance policy that cannot be cancelled unless he fails to pay
his premium. What provision in his insurance policy would specify this?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
90. (p. 359) Darren Chase has an insurance policy that will only pay for a maximum of 60 days
of hospitalization during a year. What provision in his insurance policy would specify this?
91. (p. 359) Benjamin Northcutt has an insurance policy that does not cover cosmetic surgery
like the nose job he would like to have. What provision in his insurance policy would specify
this?
92. (p. 356) Which type of health insurance pays part or all of the surgeon’s fee for an
operation?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
93. (p. 356) Which type of health insurance pays for physician’s care that does not involve
surgery?
94. (p. 355) A good health insurance plan should:
95. (p. 356) Which type of insurance is usually bought in combination with hospital and surgical
insurance?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
96. (p. 356) Which type of insurance protects against the large expenses of a serious injury or a
long illness?
97. (p. 355-356) A good health insurance plan should:
98. (p. 356) Which one of the following provisions requires that the policyholder pay a basic
amount before the policy benefits begin?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
99. (p. 357) ____________ is a type of major medical insurance that has a very low deductible
amount and is offered without any separate basic plan.
100. (p. 357) Which health insurance policy pays benefits only when you are hospitalized, but
pays these benefits in cash which you can use as you like?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
102. (p. 357) According to your textbook, supplemental hospital indemnity plans:
103. (p. 357-358) Which type of health insurance is simply a bad buy?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
105. (p. 361) Which one of the following would be your best selection if you could only choose
one of the following types of insurance?
106. (p. 376) Which type of insurance is probably the most neglected form of available insurance
protection?
107. (p. 364) Health insurance is available from:
Chapter 11 – Health, Disability, and Long-Term Care Insurance
108. (p. 367) Which one of the following is not a provider of health insurance?
109. (p. 364) Most private insurance companies sell health insurance policies to:
110. (p. 364-365) Which health care institution directly employs or contracts with selected
medical care specialists to provide managed health care services in exchange for a fixed,
prepaid monthly premium?
Chapter 11 – Health, Disability, and Long-Term Care Insurance
111. (p. 369) Hospital insurance (Part A) and medical insurance (Part B) are characteristics of :
112. (p. 369,371,372) What is covered by Medicare Parts A and B?
113. (p. 372) Which health care plan is administered by each state within certain broad federal
requirements and guidelines?