4. Which form of group medical care would you prefer, HMO, PPO or POS? What four characteristics do you find most appealing? 5. In order to qualify for disability insurance, you must meet the definition of being disabled. What classifications are used to determine the level of disability? 6. Provide a description of all four benefits? 7. Would you recommend Medicare Part A, Part B or both someone who is over 65 and on a fixed income? How did you determine the level of importance of each coverage. 8. Explain the difference in the underwriting process for individual and group insurance. 9. Does the federal or state mandate the level of aide for a particular state