test 16

1. Which of the following individuals would probably qualify for Social Security disability benefits?

A.  George, a ski instructor who breaks his leg
B.  Mike, a mechanic wo loses his dominant hand in an accident
C.  Carl, who becomes ill with a viral infection and is not expected to be able to work for the next six months
D.  John, who experiences serious early-onset Alzheimer's & is unable to remember how to get to work

2. Marty just received his first Social Security disability payment. From this, we can assume

A.  his disability commenced three months ago
B.  he is at lease 65 years of age
C.  his disability is expected to last 12 months
D.  he had previously applied for Medicaid

3. Which of the following organizations would make reimbursement payments directly to the insuredindividual for covered medical expenditures?

a. Administrative-service-only planII b. Commercial insurer
c. Preferred provider organization
d. Health maintenance organization

4. The waiting period before qualifying for Social Security disability benefits is how many months?

A. 5
B. 12
C. 6
D. 3

5. Which of the following statements pertaining to Medicaid is NOT correct?

A.  It provides federal matching funds to states for medical public assistance plans.
B. Medicaid benefits may be used to pay the deductible and coinsurance amounts of Medicare.
C.  It limits financial assistance to persons age 65 or over who are in need of medical services they cannot afford.
D.  Its purpose is to help eligible needy persons with medical assistance.

6. Jerry is injured while working. Under state workers' compensation laws, we can assume that

A. His employer will not be liable for Jerry's work-related disabilities if the employer's negligence did not contribute to the injuries
B.  Jerry will probably receive workers' compensation benefits on a monthly or weekly basis
C.  Jerry must sue his employer to receive workers' compensation benefits
D.  both Jerry and his employer are required to contribute to the cost of workers' compensation coverage

7. Which of the following statements pertaining to health maintenance organizations is CORRECT?

A.  If a person joins an HMO and undergoes a physical examination, he or she will be billed for the exam and each subsequent medical service as it is performed.
B.   An insurance company may sponsor an HMO or assist an HMO by providing contractual services.
C.  An insurance company that also markets group health insurance is known as a HMO.
D. Like commercial insurers, HMOs generally assess deductibles.

8. HMOs are know for stressing

A.  preventive medicine and early treatment
B.  in-hospital care and services
C.  health care services for government employees
D.  state-sponsored health care plans