MCQ Flashcards
7 cards from real AHIP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 MCQ flashcards as text
Under the ACA's essential health benefits (EHBs), which of the following is NOT required to be covered by individual and small group health plans?
Answer: Long-term custodial nursing home care
Long-term custodial care is not an essential health benefit under the ACA; the ten EHBs focus on acute and preventive health services.
What does the term 'creditable coverage' mean in the context of Medicare Part D?
Answer: Drug coverage that is at least as good as the standard Medicare Part D benefit
Creditable coverage for Part D is drug coverage expected to pay, on average, at least as much as the standard Medicare Part D benefit.
A COBRA qualifying event occurs when an employee is terminated for gross misconduct. Which of the following is correct?
Answer: COBRA coverage is not available because gross misconduct disqualifies the employee
Termination for gross misconduct specifically disqualifies an individual from COBRA continuation coverage under federal law.
Which Medicare Supplement plan is the ONLY standardized plan that covers the Medicare Part B deductible for people who became eligible for Medicare on or after January 1, 2020?
Answer: Plan G
For new Medicare eligibles on or after January 1, 2020, Plan G is the most comprehensive available since Plans C and F were discontinued for new enrollees.
Under the Mental Health Parity and Addiction Equity Act (MHPAEA), how must plans treat mental health and substance use disorder benefits compared to medical/surgical benefits?
Answer: Financial requirements and treatment limitations must be no more restrictive than those for medical/surgical benefits
MHPAEA requires that financial requirements (like copays) and treatment limitations for mental health and SUD benefits be no more restrictive than the predominant limits applied to medical/surgical benefits.
Which of the following describes a key feature of a Medicare Medical Savings Account (MSA) plan?
Answer: The government deposits money into a bank account that can be used for Medicare-covered expenses
Medicare MSA plans combine a high-deductible MA plan with a savings account funded by CMS deposits to help pay for medical expenses.
When an insurance agent is found to have 'churning' a Medicare beneficiary's plan enrollment, which regulatory body has primary oversight authority?
Answer: The Centers for Medicare & Medicaid Services (CMS) and potentially the state insurance department
CMS has federal oversight of Medicare Advantage marketing conduct, while state insurance departments also regulate agent licensure and conduct within their jurisdiction.