w@) u. st coverageinst financially irresponsible drivers who have no auto liability 15) for liability coverage the premium doubles bte orly to drivers with excellent driving records ollar coverage for damage to the insured's own autos of the following are major insurance premiums EXCEPT rating factors for determining private passenger automobile factors 16) B) race. C) marital status. A) age. D) gender. All of the following statements about HMOs are true EXCEPT O members pay nothing for medical care until care is provided, then they must pay high 17) and large coinsurance payments. deductibles B) They organize and deliver health care services. HMOs place a heavy emphasis on controlling the cost of covered services D) The selection of physicians is usually limited to physicians affiliated with the HMO. All of the following statements about cost controls in dental insurance plans are true EXCEPT A) The limit on benefits may be expressed as an annual limit or as a lifetime limit for certain 18) types of dental services. B) The coinsurance percentage used may vary by type of dental service. C) To eliminate small claims, there is no coverage for routine oral examinations, X-rays, or cleaning teeth. D) Cosmetic dental work is usually excluded. 19) Which of the following is (are) characteristics of HIMO managed care plans? I. Unlimited choice of physicians and hospitals 19) Emphasis on controlling the cost of covered services A) I only B) II only C) both 1 and 11 D) neither Inor II 20) Which of the following statements is (are) true with regard to group life insurance? 20) L Most group life insurance is whole life coverage. Most group life insurance plans allow a modest amount of life insurance on the employees spo dependent children. A) I only B)only C)both 1 and D) neither I nor 21) An insured in a preferred provider organization pays less out of his pocket if he chooses to use: 21) A) his/her regular physician C) a chiropractor B) an out-of-network physician D) a preferred provider 22) If Paul causes a car accident, and the car he hits is driven by an insured motorist, Paul's PAP will 22) pay for the other driver's damages: A) under coverage A, Liability B) under coverage C, Uninsured Motorist C) under both coverages A and C D) nothing since an uninsured motorist was injured w@) u. st coverageinst financially irresponsible drivers who have no auto liability 15) for liability coverage the premium doubles bte orly to drivers with excellent driving records ollar coverage for damage to the insured's own autos of the following are major insurance premiums EXCEPT rating factors for determining private passenger automobile factors 16) B) race. C) marital status. A) age. D) gender. All of the following statements about HMOs are true EXCEPT O members pay nothing for medical care until care is provided, then they must pay high 17) and large coinsurance payments. deductibles B) They organize and deliver health care services. HMOs place a heavy emphasis on controlling the cost of covered services D) The selection of physicians is usually limited to physicians affiliated with the HMO. All of the following statements about cost controls in dental insurance plans are true EXCEPT A) The limit on benefits may be expressed as an annual limit or as a lifetime limit for certain 18) types of dental services. B) The coinsurance percentage used may vary by type of dental service. C) To eliminate small claims, there is no coverage for routine oral examinations, X-rays, or cleaning teeth. D) Cosmetic dental work is usually excluded. 19) Which of the following is (are) characteristics of HIMO managed care plans? I. Unlimited choice of physicians and hospitals 19) Emphasis on controlling the cost of covered services A) I only B) II only C) both 1 and 11 D) neither Inor II 20) Which of the following statements is (are) true with regard to group life insurance? 20) L Most group life insurance is whole life coverage. Most group life insurance plans allow a modest amount of life insurance on the employees spo dependent children. A) I only B)only C)both 1 and D) neither I nor 21) An insured in a preferred provider organization pays less out of his pocket if he chooses to use: 21) A) his/her regular physician C) a chiropractor B) an out-of-network physician D) a preferred provider 22) If Paul causes a car accident, and the car he hits is driven by an insured motorist, Paul's PAP will 22) pay for the other driver's damages: A) under coverage A, Liability B) under coverage C, Uninsured Motorist C) under both coverages A and C D) nothing since an uninsured motorist was injured