Exam Sim Federal Patient Protection and Affordable Care Act - Practice Exam

According to the PPACA metal levels classification, if a health plan is expected to cover 90% of the cost for an average population, and the participants would cover the remaining 10%, what type of plan is that?

a. Platinum

b. Bronze

c. Silver

d. Gold

a

Which of the following individuals will be eligible for coverage on the Health Insurance Marketplace?

a. A permanent resident lawfully present in the U.S.

b. Someone who has Medicare coverage

c. A U.S. citizen who is incarcerated

d. A U.S. citizen living abroad

a

Under the Affordable Care Act, what percentage of preventive care must be covered without cost sharing?

a. 25%

b. 50%

c. 80%

d. 100% 

d

According to the Medical Loss Ratio (MLR), what is the minimum percentage of health coverage premium that must be applied to actual medical care in an individual health plan?

a. 25%

b. 50%

c. 80%

d. 90%

c

A woman obtains health coverage through the Marketplace on October 1. Two weeks later she finds out that she is 3 months pregnant. Which of the following is true about coverage for pregnancy?

a. Pregnancy will be covered immediately.

b. Pregnancy will only be covered if additional premium is paid.

c. Pregnancy will not be covered as a pre-existing condition.

d. Pregnancy may be covered with the insurer's special approval.

a

According to the Medical Loss Ratio (MLR), what is the minimum percentage of health coverage premium that must be applied to actual medical care in a large group health plan?

a. 50%

b. 75%

c. 80%

d. 85%

d

Under the Affordable Care Act, which classification applies to health plans based on the amount of covered costs?

a. Risk classification

b. Metal level classification

c. Guaranteed and nonguaranteed

d. Grandfathered and nongrandfathered

b

The Patient Protection and Affordable Care Act includes all of the following provisions EXCEPT

a. Right to appeal.

b. No lifetime dollar limits.

c. Coverage for preventive benefits.

d. Individual tax deduction for premiums paid.

d

Under the Affordable Care Act, a special enrollment period allows an individual to enroll in a qualified health plan within how many days of a qualifying event?

a. 10 days

b. 30 days

c. 60 days

d. 90 days

c

The Patient Protection and Affordable Care Act mandates that insurers provide coverage for adult children of the insured up to the age of

a. 19.

b. 21.

c. 26

d. 30

c

According to the PPACA rules, what percentage of health care costs will be covered under a bronze plan?

a. 10%

b. 30%

c. 40% 

d. 60%

d

What is the maximum age for qualifying for a catastrophic plan?

a. 26 

b. 30

c. 45

d. 62

b

Which of the following is NOT a metal level of coverage offered under the Patient Protection and Affordable Care Act?

a. Bronze

b. Iron

c. Gold

d. Silver

b

When is the annual open enrollment for state insurance exchanges?

a. January 1 through February 28

b. December 1 through March 1

c. November 1 through January 31

d. December 1 through December 31

c

All of the following are essential benefits required to be included in all health plans purchased in the Marketplace EXCEPT

a. Hospitalization.

b. Maternity care.

c. Pediatric vision care.

d. Adult dental care.

d

To be eligible for tax credits under the ACA, individuals must have income that is what percent of the Federal Poverty Level?

a. Higher than 300%

b. Less than 10%

c. Between 10% and 100%

d. Between 100% and 400%

d