Jackie pays $20 every time she visits her doctor. She is covered by a(n)

	HMO
	IPA
	PPO
	Indemnity plan
	Could be any of these except the indemnity plan.

Disability income insurance provides benefits that are designed to

	pay for hospital care costs from injuries.
	substitute for lost income.
	cover hospital care costs from illness.
	substitute for social security disability benefits.
	supplement retirement income for the elderly.

Mental illness is normally not covered in health insurance policies.

	True
	False

Most disabilities are permanent.

	True
	False