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Health Care and Insurance Plans -- Design and Management Quiz

Test Your Knowledge

Health Care and Insurance Plans -- Design and Management (Course B3)

Instructions: Choose an answer for each question and then click on the "Get Results" button at the end of the quiz.

1. Which of the following reasons explains the increase in the prevalence of managed care programs?
A. Changing family and workforce demographics in the 1970s
B. A more transient workforce evolving in the 1960s
C. Benefits costs begin to skyrocket in the 1980s
D. Greater employee accountability was a popular trend in the 1990s

2. Which of the following represents a strategic design consideration?
A. Who will be eligible for each of the plans?
B. How is the company going to define a dependent?
C. What is the reimbursement level for covered expense?
D. Will plans be designed from a cost standpoint only, or will they consider employee desires?
3. Which act regulates self-insured benefits plans?
A. Americans with Disabilities Act
B. Employee Retirement Income Security Act
C. Civil Rights Act
D. Age Discrimination in Employment Act

4. Which of the following is the most accurate statement regarding PPOs?
 A. The primary care physician typically acts as a gatekeeper.
B. They usually offer a broader choice of providers than HMOs.
C. Out-of-network providers cost the same as in-network providers.
D. Basically, they are traditional indemnity plans.
5. Which of the following statements is most accurate regarding behavioral health care plans?
A. Primary care physicians are very proficient in referring for these services.
B. A majority of the costs generally are attributed to a large number of patients seeking assistance.
C. Costs for behavioral health have stabilized in recent years.
D. Coverage typically does not include chemical-dependency services.
6. What is the purpose of disability plans?
A. To satisfy state requirements to offer STD plans
B. To retain key talent within the organization
C. To provide income replacement for employees
D. To limit one or more life activity

7. Which of the following statements best explains why survivor benefits have become a universal employee benefit in the United States?
A. Employees seek financial protection for their dependents to cover expenses, such as funeral costs and mortgage payments.
B. Due to the growing number of on-the-job accidents and deaths, employers provide benefits for their own protection.
C. The increase in the number of families in the United States caused employers to change benefit practices.
D. Survivor benefits allow families who have lost their breadwinner to receive insurance coverage at no cost.

8. Which statement is most accurate regarding workers’ compensation?
A. An employee unable to work receives one-half his or her normal weekly salary during the period of disability.
B. The typical waiting period is three to four months.
C. Job retraining expenses are covered if necessary.
D. There is a $255 lump-sum death benefit payment.
9. Which of the following is a general tax advantage for benefits plan sponsors?
A. Employer contributions are normally tax deductible.
B. Employer contributions to benefits plans are not exempt from taxation.
C. All benefits are tax exempt, regardless of specified dollar limits.

10. Which of the following statements best describes the use of technology in benefits administration?
A. Technology is an expensive tool that provides minimal ease in the administration of health and welfare benefits.
B. Technology is a valuable tool in providing employees with easy access to benefits plan information.
C. A majority of large companies are using computer technology to conduct annual enrollment.
D. Technology has been utilized extensively by a majority of companies, but currently its use seems to be waning.


The Test Your Knowledge questions are intended to provide a small sample of the information covered in a particular course. Passing this test should not be considered an indicator that you also will pass the related certification exam. No portion of this document may be reproduced in any form without express written permission from WorldatWork. Copyright 2006 WorldatWork.

 

 
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