NCCT Test: Hardest MCQ Quiz!
NCCT(The National Center for Competency Testing) is an institution that plays a vital role in testing healthcare professionals and instructors. This organization is active since 1989 in the United States, which assigns multiple certifications for schools and employers. This quiz will test your knowledge about the Medical Office or department and insurance's roles and functions.
- 1.One who acts for the insured or the carrier in a claim is called ______________.
- A.
Doctor
- B.
Adjuster
- C.
Provider
- D.
Subscriber
- 2.A request for payment under an insurance contractor bond is called a(an) _______
- A.
Insurance application
- B.
Claim
- C.
Dual choice request
- D.
Total disability
- 3.Payment made periodically to keep an insurance policy in force is called ____________
- A.
Time limit
- B.
Premium
- C.
Coinsurance
- D.
Fee-for-service
- 4.A person or institution that gives medical care is a(an) ________________
- A.
Third-party payer
- B.
Provider
- C.
Adjuster
- D.
Insurance agent
- 5.An amount the insured must pay before policy benefits begin is called ___________
- A.
Indemnity
- B.
Extended benefits
- C.
Deductible
- D.
Catastrophic
- 6.An organization that offers insurance against losses in exchange for a premium is called a _________________.
- A.
Rider
- B.
Health maintenance organization
- C.
Member physician
- D.
Bank
- 7.Health insurance that provides protection against the high cost of treating severe or lengthy illnesses or disabilities is called _____________.
- A.
Catastrophic
- B.
Severe
- C.
Third-party payer
- D.
None of the above
- 8.A patient receiving ambulatory care at a hospital or other health facility without being admitted as a bed patient is called a(an) _____________.
- A.
Inpatient
- B.
Outpatient
- C.
Carrier
- D.
Adjuster
- 9.An illness or injury that prevents an insured person from performing one or more of the functions of his regular job is called ______________.
- A.
Partial disability
- B.
Permanent disability
- C.
Total disability
- D.
Resultant disability
- 10.One who belongs to a group insurance plan is called ______________.
- A.
third-party payer
- B.
Subscriber
- C.
Carrier
- D.
None of the above
- 11.A sum of money provided in an insurance policy, payable for covered services is called ______________.
- A.
Deductible
- B.
Benefits
- C.
Dues payable
- D.
Remium
- 12.Insurance designed to offset medical expenses resulting from catastrophic or prolonged illness or injury is called ____________.
- A.
Primary insurance
- B.
Major medical
- C.
Whole life policy
- D.
comprehensive
- 13.An unexpected event which may cause injury is a(n)_________________
- A.
Dread disease rider
- B.
Accident
- C.
Adjuster
- D.
None of the above
- 14.A doctor who agrees to accept an insurance companies pre-established fee as the maximum amount to be collected is a(n)_________________
- A.
Subscriber
- B.
Claim representative
- C.
Participating physician
- D.
Adjuster
- 15.Insurance plans that pay a physician’s full charge if it does not exceed his normal charge or does not exceed the amount normally charged for the service is _________________________.
- A.
Usual, customary and reasonable
- B.
Comprehensive
- C.
Dual choice
- D.
None of the above
- 16.A health program for people age 65 and older under social security is __________.
- A.
Tri-Care
- B.
Medicare
- C.
Champva
- D.
Worker’s Compensation
- 17.A civilian health and medical program of the uniform services is ______________.
- A.
Tri-Care
- B.
Medicare
- C.
Medicaid
- D.
Worker’s Compensation
- 18.A form of insurance paid by the employer providing cash benefits to workers injured or disabled in the course of employment is ____________________.
- A.
Tri-Care
- B.
Champus
- C.
Worker’s Compensation
- D.
Medicaid
- 19.A recap sheet that accompanies a Medicare or Medicaid check, showing breakdown and explanation of payment on a claim is a(n) _______________.
- A.
Fee-for-service
- B.
Explanation of benefits
- C.
Coordination of benefits
- D.
Dual choice
- 20.A type of insurance whereby the insured pays a specific amount per unit of service and the insurer pays the rest of the cost is a(n) ______________________.
- A.
Co-payment
- B.
Coordination of benefits
- C.
Deductible
- D.
Indemnity
- 21.In insurance, greater coverage of diseases or an accident, and greater indemnity payment in comparison with a limited clause is a(n) ___________________.
- A.
Co-payment
- B.
Comprehensive
- C.
Deductible
- D.
Major medical
- 22.An interval after a payment is due to the insurance company in which the policy holder may make payments, and still the policy remains in effect is a(n) ____________.
- A.
Extended benefits
- B.
Grace period
- C.
Coordination of benefits
- D.
Lapse time
- 23.An agreement by which a patient assigns to another party the right to receive payment from a third party for the services the patient has received is a(n) __________________.
- A.
Assignment
- B.
Coordination of benefits
- C.
Non duplication of benefits
- D.
None of the above
- 24.A skilled nursing facility for patients receiving specialized care after discharge from a hospital is a(n) ____________________.
- A.
Extended care facility
- B.
Post care facility
- C.
Nursing home
- D.
None of the above
- 25.Payment for hospital charges incurred by an insured person because of injury or illness is a(n) ___________________.
- A.
Hospital benefits
- B.
Catastrophic health benefits
- C.
Extra help benefits
- D.
None of the above
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