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* 4. Which of the following are typically included in an out-of-pocket maximum?

A. Deductible

B. Co-Payments

C. Co-Insurance

D. Premiums

E. A, B, and C

F. All of the above

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* 5. A patient should pay a medical bill

A. As soon as they receive it from their health care provider

B. Not until they receive the explanation of benefits from their health insurance company

C. Anytime before the due date

D. If their provider is refusing to continue care until the bill is paid

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* 6. Medicare Part B will pay 100% of a patient’s bills

A. Once they have hit their out-of-pocket maximum

B. Once they have met their deductible

C. If they have a Medicare supplemental plan

D. Never

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* 7. Patients may use their accrued paid time off and sick time with FMLA leave

A. Only if required by their employer

B. Only if they choose to do so

C. Either if required by their employer or if they chose to do so

D. Never

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* 8. An individual may receive SSDI and collect private long-term disability insurance benefits at the same time.

A. True

B. False

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* 9. Which of the following statements are true about reasonable accommodations?

A. An employer can deny a reasonable accommodation to someone who has not been employed at least 12 months

B. Employers are required to provide a reasonable accommodation to eligible employees unless it is an undue hardship or a direct threat

C. Eligible employees are entitled to one accommodation per year

D. None of the above

E. All of the above

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* 10. What factors can contribute to financial toxicity

A. Health insurance status

B. Employment changes

C. Life changes

D. All of the above

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* 11. The ACA prohibits insurance companies from:

A. Setting annual or lifetime limits

B. Denying coverage based on a pre-existing condition

C. Charging someone more based on gender

D. All of above

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* 12. The amount of financial assistance in the State Health Insurance Marketplaces is based on:

A. Household size

B. Age

C. Income level

D. A & C only

E. All of the above

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* 13. In most states, insurance companies can consider the following when deciding what to charge consumers:

A. Where someone lives

B. Their age

C. If they smoke

D. All of the above

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* 14. Which of the following is NOT a level of plan that can be purchased in the state health insurance marketplaces?

A. Bronze

B. Titanium

C. Gold

D. Silver

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* 15. Changes to the ACA could affect the following individuals

A. People who have incomes below 138% of the federal poverty level

B. Seniors

C. People who get their health insurance through their employer

D. People with pre-existing conditions

E. All of the above

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* 16. What are some of the benefits of Part C (Medicare Advantage) Plan?

A. They may cover prescription drugs

B. They have an out of pocket maximum

C. They may cover additional services (e.g., vision and dental care)

D. All of the above

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* 17. Which of the following are ways to be eligible for Medicare?

A. Be over the age of 65

B. Have a low income

C. Receive SSDI payments for 2 years

D. A and C

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* 18. Medicare Part B has a _________ cost-share.

A. 50/50%

B. 70/30%

C. 80/20%

D. 75/25%

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* 19. During open enrollment Medicare beneficiaries can:

A. Switch from Original Medicare to Medicare Advantage

B. Change Medicare Advantage Plans

C. Change Part D Plans

D. All of the above

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* 20. Medicare Part B does NOT have a

A. Deductible

B. Premium

C. Out-of-Pocket Maximum

D. Co-Share

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* 21. There are four ways to use the ADA. They are:

A. Currently, history, regarded as, association with

B. Pre-treatment, history, regarded, association

C. Post-employment, history, regarded, association

D. None of the above

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* 22. State Fair Employment Laws may expand on the protections provided by which of the following federal laws:

A. Family and Medical Leave Act (FMLA)

B. Health Insurance Portability and Accountability Act (HIPAA)

C. Americans with Disabilities Act (ADA)

D. All of the Above

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* 23. When deciding whether or not to disclose a cancer diagnosis online, patients should do which of the following?

A. Consider the potential long-term impact of a posting

B. Make conscious disclosure decisions

C. Communicate disclosure decisions to their family and friends

D. All of the above

E. A and B only

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* 24. The waiting period to start receiving SSDI cash benefits is

A. 5 months

B. 12 months

C. 8 months

D. There is no waiting period for individuals diagnosed with cancer

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* 25. True or False: The Family and Medical Leave Act can be used in segments.

A. True

B. False

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* 26. Which of the following is NOT an example of a reasonable accommodation?

A. Modifying work space

B. Modifying schedule

C. Change in policy

D. Modifying salary

E. Shift job responsibilities

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* 27. Employees who are interested in taking time off from work during cancer treatments should check their employer’s policies to see if they are eligible ________________?

A. To use a pool of donated hours for time off

B. For flextime/job sharing

C. For short-term and/or long-term disability insurance

D. All of the above

E. A and B only

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* 28. Which of the following professions are legally able to provide medical certification for FMLA leave?

A. Oncologists

B. Primary Care Physicians

C. Social Workers

D. All of the above

E. None of the above

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* 29. Employees working for a private employer can be eligible under the Americans with Disabilities Act (ADA) if the employer has _____ or more employees.

A. 25

B. 5

C. 15

D. 50

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* 30. Employers who are subject to the ADA are required to provide reasonable accommodations unless

A. Doing so poses a direct threat

B. Doing so would be an undue hardship

C. Their state law has made medical marijuana legal

D. A and B

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* 31. When is someone protected by the ADA?

A. Once they start the job

B. Once they need to request reasonable accommodations

C. During all phases of employment

D. Only during the job application process

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* 32. Employees cannot be fired for using medical marijuana if it is legal in their state

A. True

B. False

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* 33. What should you compare when shopping for a health insurance plan?

A. Cost share amount

B. Out-of-pocket maximum

C. Provider network

D. Formulary

E. All of the above

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* 34. True or False: If one receives a health insurance claim denial, they should not take "no" for an answer, because 39% to 59% of appeals are won.

A. True

B. False

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* 35. How can health care professionals engage in advocacy?

A. Support a policy change in their hospitals

B. Vote

C. Ask for help from colleagues with a complex patient situation

D. Post on Facebook about Triage Cancer’s services

E. All of the above

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* 36. If someone is losing their employer-sponsored health insurance, they should consider

A. COBRA or state COBRA

B. Special Enrollment through State Marketplace

C. Another group plan

D. Medicare or Medicaid

E. All of the above

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* 37. Which programs might be useful for a caregiver to replace lost income?

A. Home Help/In-Hope Support Services

B. Disability Insurance

C. State paid family leave

D. A and C

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* 38. When trying to determine how much a health insurance policy is going to cost you for the year in a worst case scenario, which formula do you use:

A. (Monthly premium x 12) + deductible

B. (Monthly premium x 12) + formulary

C. (Monthly premium x 12) + out of pocket maximum

D. (Monthly premium x 12) + cost-share

Insurance & Finance Intensive Post-Test

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* 1. First Name:

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* 2. Last Name:

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* 3. Email Address:

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* 4. Which of the following are typically included in an out-of-pocket maximum?

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* 5. A patient should pay a medical bill

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* 6. Medicare Part B will pay 100% of a patient’s bills

Question Title

* 7. Patients may use their accrued paid time off and sick time with FMLA leave

Question Title

* 8. An individual may receive SSDI and collect private long-term disability insurance benefits at the same time.

Question Title

* 9. Which of the following statements are true about reasonable accommodations?

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* 10. What factors can contribute to financial toxicity

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* 11. The ACA prohibits insurance companies from:

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* 12. The amount of financial assistance in the State Health Insurance Marketplaces is based on:

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* 13. In most states, insurance companies can consider the following when deciding what to charge consumers:

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* 14. Which of the following is NOT a level of plan that can be purchased in the state health insurance marketplaces?

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* 15. Changes to the ACA could affect the following individuals

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* 16. What are some of the benefits of Part C (Medicare Advantage) Plan?

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* 17. Which of the following are ways to be eligible for Medicare?

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* 18. Medicare Part B has a _________ cost-share.

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* 19. During open enrollment Medicare beneficiaries can:

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* 20. Medicare Part B does NOT have a

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* 21. There are four ways to use the ADA. They are:

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* 22. State Fair Employment Laws may expand on the protections provided by which of the following federal laws:

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* 23. When deciding whether or not to disclose a cancer diagnosis online, patients should do which of the following?

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* 24. The waiting period to start receiving SSDI cash benefits is

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* 25. True or False: The Family and Medical Leave Act can be used in segments.

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* 26. Which of the following is NOT an example of a reasonable accommodation?

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* 27. Employees who are interested in taking time off from work during cancer treatments should check their employer’s policies to see if they are eligible ________________?

Question Title

* 28. Which of the following professions are legally able to provide medical certification for FMLA leave?

Question Title

* 29. Employees working for a private employer can be eligible under the Americans with Disabilities Act (ADA) if the employer has _____ or more employees.

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* 30. Employers who are subject to the ADA are required to provide reasonable accommodations unless

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* 31. When is someone protected by the ADA?

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* 32. Employees cannot be fired for using medical marijuana if it is legal in their state

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* 33. What should you compare when shopping for a health insurance plan?

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* 34. True or False: If one receives a health insurance claim denial, they should not take "no" for an answer, because 39% to 59% of appeals are won.

Question Title

* 35. How can health care professionals engage in advocacy?

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* 36. If someone is losing their employer-sponsored health insurance, they should consider

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* 37. Which programs might be useful for a caregiver to replace lost income?

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* 38. When trying to determine how much a health insurance policy is going to cost you for the year in a worst case scenario, which formula do you use: