Free Ohio Health Insurance Practice Exam Online

Correct answer: B. Accident insurance is designed to pay benefits for covered accidental injuries, subject to policy terms

• A: This states the rule for sickness/illness coverage: Sickness coverage addresses covered illness or disease rather than only accidental injury. The question instead asks about accident insurance, which has a different trigger or coverage function.
• C: This states the rule for major medical policy: Major medical coverage is designed for broad, potentially high-cost medical expenses, subject to deductibles, coinsurance, and limits. The question instead asks about accident insurance, which has a different trigger or coverage function.
• D: This states the rule for specified disease policy: Specified disease coverage pays benefits for named diseases or conditions listed in the policy. The question instead asks about accident insurance, which has a different trigger or coverage function.

Correct answer: C. Sickness coverage addresses covered illness or disease rather than only accidental injury

• A: This states the rule for medical expense insurance: Medical expense insurance helps pay covered health-care costs such as hospital, physician, or surgical expenses. The question instead asks about sickness/illness coverage, which has a different trigger or coverage function.
• B: This states the rule for basic hospital policy: Basic hospital coverage focuses on covered hospital-related expenses, often with more limited benefits than major medical. The question instead asks about sickness/illness coverage, which has a different trigger or coverage function.
• D: This states the rule for hospital indemnity policy: Hospital indemnity coverage pays a stated benefit triggered by covered hospitalization rather than reimbursing every actual charge. The question instead asks about sickness/illness coverage, which has a different trigger or coverage function.

Correct answer: D. Medical expense insurance helps pay covered health-care costs such as hospital, physician, or surgical expenses

• A: This states the rule for major medical policy: Major medical coverage is designed for broad, potentially high-cost medical expenses, subject to deductibles, coinsurance, and limits. The question instead asks about medical expense insurance, which has a different trigger or coverage function.
• B: This states the rule for basic surgical policy: Basic surgical coverage pays benefits for covered surgical procedures according to policy terms or schedules. The question instead asks about medical expense insurance, which has a different trigger or coverage function.
• C: This states the rule for dental coverage: Dental insurance generally covers specified preventive, basic, or major dental services subject to plan terms. The question instead asks about medical expense insurance, which has a different trigger or coverage function.

Correct answer: A. Major medical coverage is designed for broad, potentially high-cost medical expenses, subject to deductibles, coinsurance, and limits

• B: This states the rule for basic hospital policy: Basic hospital coverage focuses on covered hospital-related expenses, often with more limited benefits than major medical. The question instead asks about major medical policy, which has a different trigger or coverage function.
• C: This states the rule for limited benefit policy: Limited benefit coverage pays only for specified conditions/services and should not be confused with comprehensive coverage. The question instead asks about major medical policy, which has a different trigger or coverage function.
• D: This states the rule for vision coverage: Vision coverage generally covers specified eye exams, lenses, frames, or related vision services subject to plan terms. The question instead asks about major medical policy, which has a different trigger or coverage function.

Correct answer: A. Basic hospital coverage focuses on covered hospital-related expenses, often with more limited benefits than major medical

• B: This states the rule for basic surgical policy: Basic surgical coverage pays benefits for covered surgical procedures according to policy terms or schedules. The question instead asks about basic hospital policy, which has a different trigger or coverage function.
• C: This states the rule for specified disease policy: Specified disease coverage pays benefits for named diseases or conditions listed in the policy. The question instead asks about basic hospital policy, which has a different trigger or coverage function.
• D: This states the rule for short-term medical: Short-term medical coverage is temporary and may exclude preexisting conditions or essential-benefit protections depending on law. The question instead asks about basic hospital policy, which has a different trigger or coverage function.