PAR Financial Clearance and Counseling 2

Question 1

A patient has a $2,500 deductible and has already met $1,800 of it. How much of the deductible remains before insurance begins paying?

Accepted Answer

$700

Answer

The remaining deductible is $2,500 minus $1,800 already met, which equals $700.

Question 2

Which federal program provides health coverage for patients aged 65 and older as well as certain disabled individuals?

Accepted Answer

Medicare

Answer

Medicare is the federal health insurance program primarily for individuals 65 and older and qualifying disabled persons.

Question 3

When a patient presents with two active insurance policies, which policy is typically billed first?

Accepted Answer

The primary insurance

Answer

Coordination of benefits rules require that the primary insurance is billed first before any secondary payer is billed.

Question 4

A Patient Access Representative is reviewing an authorization and notices it expired yesterday. What is the correct next step?

Accepted Answer

Contact the payer to obtain a new or extended authorization

Answer

An expired authorization is not valid; the PAR must contact the payer to secure a current authorization before providing non-emergency services.

Question 5

Which of the following best describes a 'coinsurance' obligation?

Accepted Answer

A percentage of the allowed amount the patient pays after meeting the deductible

Answer

Coinsurance is the patient's percentage share of costs (e.g., 20%) after the deductible has been satisfied.

(PAR) Patient Access Representative Certification Practice Test