Individual practice organizations, point-of-service plans, health maintenance organizations Health maintenance organizations, preferred provider organizations, point-of- service plans Preferred provider organizations, point-of-service plans, individual practice Preferred provider organizations, health maintenance organizations, individual practice organizations 0. 2 points Question 4 Single employees pay a larger percentage of their health care premium than employees with family coverage pay.

True False p 137 Question 5 This consumer-driven health care option allows employees to contribute pre- tax wages annually to pay for qualified medical expenses, but they will lose he balance not used at year’s end. Flexible spending accounts Health reimbursement arrangements Health savings accounts Flexible savings accounts Question 6 Employee costs for health care services tend to be least with managed care plans, higher costs are associated with the consumer driven health plans and even higher costs are associated with fee-for-service plans True False p. 44 tricky because even higher are customer driven 0. 2 points Question 7 p 146 Fee-for-service plans pay expenses according to a schedule of usual, customary and reasonable charges. True False Its Pops. 145 Question 8 These types of insurance plans provide 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. Point-of-service plans Managed care plans Fee-for-service plans Question 9 What is coinsurance?

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When both parents have employer-sponsored insurance coverage for their children Two insurance companies combine to offer a group policy to an employer The amount an employee has to pay out-of-pocket before the insurance kicks The percentage Of covered expenses paid by the insured Question 10 The assets of health savings accounts must be held in trust and cannot be subject to forfeiture. True p. 159 Question 1 1 These are the three main types of dental plans.

Dental fee-for-service, dental savings accounts, dental maintenance Dental savings accounts, dental maintenance organizations, dental service Dental preferred provider organizations, dental maintenance organizations, dental service corporations Dental fee-for-service, dental service corporations, dental maintenance organizations 0. 2 points Question 12 Long-term disability insurance plans become effective following the end of hurt-term coverage and a 30 day elimination period.

True Question 13 Pregnancy and child birth are considered disabilities and eligible for coverage under short-term disability insurance plans. True p. 175 Question 14 Most short-term disability insurance plans pay employees around how much of their regular pre-tax salary? (Short-Term Disability Insurance Programs) 85- 100% 35 – 50% 50 – 40 – Question 15 The Drug Free Workplace Act of 1 988 applies to all workplaces. True False – for federal Question 16 Effective paid time-off bank policies include a use-it-or-lose-it provision, rather Han a carryover provision.

True Question 17 Employees, of covered employers, qualify for FEM. leave when they meet the following qualifications. Worked 1025 hours in a 12 month time span Worked 2150 hours in a 12 month time span Worked 1250 hours in a 12 month time span Worked 1520 hours in a 12 month time span Question 18 under FEM., if an employer requires a second medical opinion on a request for leave, the employer must pay the expense. True Question 19 This Act gives individuals the right to employment by the company they worked for prior to military service.