11) Which of the following represents the most approximate percentage for private sector employees who have access to at least one employer-sponsored health insurance program in 2010? A) 20% B) 50% C) 70% D) 90% 12) Which of the following types of insurance plans provides protection against health care expenses in the form of cash benefits paid to the insured or directly to the provider after the services are rendered? A) point-of-service plans B) managed care plans C) fee-for-service plans D) health savings accounts 13) Which of the following is NOT a benefit covered by fee-for-service plans? A) hospitalization benefits B) dentist visits C) physician visits D) surgical benefits 14) What are the two types of fee-for-service plans? A) health savings accounts, indemnity plans B) health savings accounts, health reimbursement plans C) health reimbursement plans, indemnity plans D) indemnity plans, self-funded plans 15) This term refers to the percentage of the health bill the insured employee is required to pay. A) coinsurance B) co-admission C) co-premiums D) co-payment 16) What is coinsurance? A) when both parents have employer-sponsored insurance coverage for their children B) two insurance companies combine to offer a group policy to an employer C) the amount an employee has to pay out-of-pocket before the insurance kicks in D) the percentage of covered expenses paid by the insured 17) This is the condition for which medical advice, diagnosis, care, or treatment was received or recommended during a designated period prior to coverage. A) preadmission certification B) preexisting condition C) second opinions D) exclusion criteria 18) What is another name for health maintenance organizations (HMOs)? A) outpatient medical services B) prepaid medical services C) inpatient medical services D) on-call medical services 19) Common HMO copayment amounts for each doctor’s visit vary between A) $15-$50. B) $0-$3. C) $50-$75. D) $100-$150. 20) According to the provisions in her health insurance plan with Get Well Insurance, Ursula’s coinsurance payment would be $50 if she goes to Dr. Kitt but will only be $25 if she goes to Dr. Matthew. She probably belongs to what type of insurance plan? A) point-of-service plan (POS) B) preferred provider organization (PPO) C) health maintenance organization (HMO) D) fee-for-service plan