VSC1 Exam Questions 25–45

25. Which type of plan requires clients to select a primary care provider?

✓ Health maintenance organization (HMO)

Preferred provider organization (PPO)

High-deductible health plan (HDHP)

Point of Service (POS) plan

26. Which client is eligible for the Children’s Health Insurance Program (CHIP)?

A 7-year-old client whose parent’s private health insurance covers his medical bills.

A 10-year-old client with physical disabilities.

An unemployed 18-year-old client with end-stage renal disease.

✓ A 12-year-old client whose family earns too much for Medicaid.

27. A 30-year-old client got laid off and wishes to continue their current health insurance plan until finding new employment. Which regulation allows this client to do so?

The American Recovery and Reinvestment Act (ARRA)

✓ The Consolidated Omnibus Budget Reconciliation Act (COBRA)

The Health Insurance Portability and Accountability Act (HIPAA)

The Health Information Technology for Economic and Clinical Health Act (HITECH)

28. Which regulation allows workers to continue receiving healthcare insurance benefits after losing their jobs?

✓ The Consolidated Omnibus Budget Reconciliation Act (COBRA)

The Patient Protection and Affordable Care Act (ACA)

The American Recovery and Reinvestment Act (ARRA)

The Health Insurance Portability and Accountability Act (HIPAA)

29. What is an example of cost sharing in insurance payments?

Monthly premiums

Reimbursements

Balance billings

✓ Deductibles

30. Which term describes the money a client must pay before their insurance plan starts paying for services?

Coinsurance

Copayment

Premium

✓ Deductible

31. A client who suffered a stroke requires daily physical, occupational, and speech therapy. Which type of care would best support this client?

A home health agency

An acute-care hospital

A local public health center

✓ A long-term care facility

32. Which law does not include specific regulations about health care insurance and medical information?

The Patient Protection and Affordable Care Act (ACA)

✓ The American Recovery and Reinvestment Act (ARRA)

The Health Insurance Portability and Accountability Act (HIPAA)

The Consolidated Omnibus Budget Reconciliation Act (COBRA)

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