Question

I'm an example of a basic, core health plans for households. I fall in the category of managed care, but generally provide some coverage for people who see medical service providers (e.g. doctors, hospitals) outside of my defined network. More specifically, I offer "two-tiered" coverage, a greater amount for seeing providers within the network but some coverage for those out of network. Who am I?

	a.	a Whole Life (WL) plan
	b.	a Term Life (TL) plan
	c.	a Health Maintenance Organization (HMO) plan
	d.	a Preferred Provider Organization (PPO) plan
	e.	an indemnity plan

Workman's compensation insurance is generally paid for by

	a.	all consumers.
	b.	employees.
	c.	employers.
	d.	state and local governments.
	e.	the federal government.

The section of a homeowner's or auto insurance policy that covers damages due to personal injuries involving your property, especially due to your actions or negligence, is called

	a.	replacement cost.
	b.	collision and comprehensive.
	c.	the personal property floater.
	d.	peril coverage.
	e.	liability.

Answer 1

1.There are two category of managed care from the given options:first is HMO plan and second is PPO plan.Accordingly rest of the option are incorrect.

Further HMO plan do not cover visits to doctor or hospitals outside the network except in certain situations.Whereas PPO plan provide the coverage for the same.

Accordingly,the correct answer is option d i.e.Preferred Provider Organization (PPO) plan

2.Employers,state and local governments and the federal government are not covered under the definition of employees.

Workman's compensation is a form of insurance providing wage replacements and medical benefits to employees injured in the course of employment.

Accordingly,correct answer is option b i.e employees