. Which health insurance policy pays benefits only when you are hospitalized, but pays these benefits in cash which you can use as you like? (Points : 1) hospital indemnity interim or short-term disability income comprehensive major medical major medical expense

Question 2. 2. Which health care institution directly employs or contracts with selected medical care specialists to provide managed health care services in exchange for a fixed, prepaid monthly premium? (Points : 1)

Blue Cross Blue Shield Medicare Medicaid H.M.O.

Question 3. 3. Wind damage occurs to your car costing $800 to repair. If you have a $100 deductible for collision and full coverage for comprehensive, what portion of the claim will the insurance company pay? (Points : 1)

$100 $200 $500 $700 $800

Question 4. 4. Legislation that requires that loan applicants be given certain information, including an estimate of closing costs, before the closing is known as: (Points : 1)

Real Estate Settlement Procedures Act Cooperative Lending Act Truth in Lending Act Title Insurance Act Real Estate Investment Act

Question 5. 5. Which of the following is an (are) innovative way(s) concerned groups are containing health care costs? (Points : 1)

incentives to encourage preventive care encouragement of prepaid group practices establishment of community education programs encouragement by doctors to pay cash for routine medical costs all of the other answers

Question 6. 6. Which type of health insurance pays part or all of the surgeon's fee for an operation? (Points : 1)

surgical expense hospital expense physician's expense long-term care Medicare Part B

Question 7. 7. Georgette Valentine has expensive photography equipment for use in her hobby. Which one of the following types of coverage would pay for damage or theft of this equipment? (Points : 1)

umbrella policy personal liability additional living expense coverage personal property floater coinsurance floater

Question 8. 8. Which is a correct statement about life insurance? (Points : 1)

People are less apt to actively seek life insurance than health insurance. Private sources are the only available sources for life insurance. Life insurance is extremely important if you are single and living alone. There is only one type of life insurance. Consumer awareness of life insurance has changed considerably over the years.

Question 9. 9. Your geographic location is a major factor in determining the ____________ used to calculate your automobile insurance premiums. (Points : 1)

driver classification assigned risk pool coverage level legal responsibilities rating territory