Cơ bản về Tai nạn & Sức khỏeCâu 471 / 716
A 'family deductible' provision in a medical plan generally:
a.Requires every family member to meet a separate deductible with no overall cap, no matter how many of them have already met their own deductibles
b.Doubles the plan's coinsurance percentage
c.Eliminates the out-of-pocket maximum entirely
d.Caps the total deductible a family must meet, often once two or three members have each met the individual deductible
Giải thích
A family deductible sets an aggregate limit so that once a specified number of family members (commonly two or three) have each satisfied the individual deductible, the family deductible is considered met and no further deductibles apply for the year. It does not require every member to meet a full deductible with no cap, does not change coinsurance, and does not remove the out-of-pocket maximum. The provision protects larger families from stacking up multiple full deductibles.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
Own the complete California Life & Health Insurance Producer Exam guide — PDF + EPUB, $19.99 →
Câu hỏi liên quan cùng chủ đề
- The two broad categories of health insurance are:
- Basic medical expense coverage differs from major medical coverage mainly because basic coverage typically:
- A 'calendar-year' deductible in a medical plan means the insured must satisfy the deductible:
- The 'coordination of benefits' (COB) provision in group health insurance is designed to prevent:
- Individual disability income policies typically limit the benefit to roughly 60 percent of the insured's earned income in order to:
- Under a 'presumptive disability' provision in a disability income policy, the insured is automatically presumed totally disabled upon:
Cập nhật gần nhất: · quy trình kiểm tra
Đội ngũ PrepPass · Đối chiếu với California Life & Health Insurance License Exam · Quy trình kiểm tra
Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)