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Health and Welfare Benefits Flashcards

6 cards from real CBP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 6 Health and Welfare Benefits flashcards as text

  1. What is the primary purpose of a Flexible Spending Account (FSA)?

    Answer: To pay for qualified medical and dependent care expenses with pre-tax dollars

    FSAs allow employees to set aside pre-tax dollars to pay for eligible healthcare and dependent care expenses, reducing taxable income.

  2. Which ACA provision requires large employers (50+ FTEs) to offer affordable coverage or face a penalty?

    Answer: Employer Shared Responsibility Provision

    The Employer Shared Responsibility Provision (Pay or Play) requires applicable large employers to offer affordable minimum-value coverage or pay an excise tax.

  3. Under the Mental Health Parity and Addiction Equity Act (MHPAEA), mental health benefits must be offered at parity with:

    Answer: Medical and surgical benefits

    MHPAEA requires that mental health and substance use disorder benefits be no more restrictive than the predominant financial requirements applied to medical and surgical benefits.

  4. What is the IRS limit category for HSA contributions called when both employee and employer contributions are counted together?

    Answer: Annual contribution limit

    The IRS sets an annual contribution limit for HSAs that applies to the combined total of both employer and employee contributions.

  5. Which type of health plan typically features a network of providers and requires referrals to see specialists?

    Answer: HMO

    HMOs (Health Maintenance Organizations) require members to select a primary care physician who coordinates care and provides referrals to in-network specialists.

  6. Which federal law requires employers with 15 or more employees to provide equal health benefits to employees with disabilities?

    Answer: ADA

    The Americans with Disabilities Act (ADA) prohibits discrimination in employee benefits, including health insurance, against qualified individuals with disabilities.