68) For insurance purposes, all of the following may be classified as employees of an individual employer group EXCEPT:

a) Retired employees

b) Employees of subsidiary firms

c) Independent directors

d) Active partners and proprietors

73) Treatment for alcoholism is included in HMO coverage as:

a) A basic service

b) An emergency service

c) A preventive service

d) A diagnostic service

76) Which benefit is usually excluded from health plan coverage?

a) Hospital expense

b) Custodial care

c) Physicians' visits

d) Surgical expense