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Free HIA — Health Insurance Associate Exam Questions and Answers
Last updated: May 11, 2025
Examtopics HIA — Health Insurance Associate Prepaway Real Exam Questions and dumps free download
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HIA — Health Insurance Associate
#Question
A health insurance associate is advising a member about benefits related to wellness programs. What benefit should be highlighted?
A.
They are always optional and not covered
B.
Participation can lead to premium discounts
C.
They hold no value to members
D.
They are monitored by the government
Correct Answer:
B
Participation in wellness programs can often lead to premium discounts and support for maintaining a healthy lifestyle.
#Question
A patient needs to verify if a treatment is covered under their insurance plan. What is the best method to find this out?
A.
Assume it will be covered
B.
Review online forums only
C.
Check the policy documentation or contact customer service
D.
Guess based on prior knowledge
Correct Answer:
C
The best method is to check the official policy documentation or contact customer service for accurate coverage information.
#Question
A member is adjusting to their new Medicare Advantage plan. What is an important aspect of this plan type?
A.
It generally only covers hospital care
B.
It combines Original Medicare with additional benefits
C.
All care is free
D.
It doesn't allow for out-of-network services
Correct Answer:
B
Medicare Advantage combines Original Medicare with additional benefits, often including prescription drug coverage and other services.
#Question
A patient wishes to understand how their out-of-pocket expenses are tracked in their plan. What should you explain?
A.
Out-of-pocket costs contribute toward deductibles and out-of-pocket maximums
B.
They are ignored until year-end
C.
They are fully reimbursed
D.
They are paid to the healthcare provider only
Correct Answer:
A
Out-of-pocket expenses contribute to meeting the deductible and the annual out-of-pocket maximum, affecting the level of benefit the member receives.
#Question
A new member receives their health insurance card. What key information should they look for on it?
A.
The plan's expiration date
B.
The member's policy number and coverage details
C.
The provider's contact number only
D.
Only the insurance company's logo
Correct Answer:
B
The health insurance card typically includes the member's policy number and essential coverage details necessary for accessing care.
#Question
A member considers contributing to their IRA and health savings account (HSA). What is a key understanding?
A.
Only the IRA affects tax status
B.
HSAs have no tax advantages
C.
HSAs have specific tax deductions
D.
Both accounts function in the same way
Correct Answer:
C
HSAs come with tax advantages, including tax-deductible contributions that should be emphasized when making financial decisions.
#Question
A member receives a notice of a network change after their doctor leaves. What should they do?
A.
Wait until the next open enrollment
B.
Stop seeking treatment
C.
Stay with the out-of-network provider
D.
Look for a new in-network provider
Correct Answer:
D
They should seek a new in-network provider to ensure they can maximize their benefits without increased costs.
HIA — Health Insurance Associate
#Question
A health insurance associate is advising a member about benefits related to wellness programs. What benefit should be highlighted?
A.
They are always optional and not covered
B.
Participation can lead to premium discounts
C.
They hold no value to members
D.
They are monitored by the government
Correct Answer:
B
Participation in wellness programs can often lead to premium discounts and support for maintaining a healthy lifestyle.
#Question
A patient needs to verify if a treatment is covered under their insurance plan. What is the best method to find this out?
A.
Assume it will be covered
B.
Review online forums only
C.
Check the policy documentation or contact customer service
D.
Guess based on prior knowledge
Correct Answer:
C
The best method is to check the official policy documentation or contact customer service for accurate coverage information.
#Question
A member is adjusting to their new Medicare Advantage plan. What is an important aspect of this plan type?
A.
It generally only covers hospital care
B.
It combines Original Medicare with additional benefits
C.
All care is free
D.
It doesn't allow for out-of-network services
Correct Answer:
B
Medicare Advantage combines Original Medicare with additional benefits, often including prescription drug coverage and other services.
#Question
A patient wishes to understand how their out-of-pocket expenses are tracked in their plan. What should you explain?
A.
Out-of-pocket costs contribute toward deductibles and out-of-pocket maximums
B.
They are ignored until year-end
C.
They are fully reimbursed
D.
They are paid to the healthcare provider only
Correct Answer:
A
Out-of-pocket expenses contribute to meeting the deductible and the annual out-of-pocket maximum, affecting the level of benefit the member receives.
#Question
A new member receives their health insurance card. What key information should they look for on it?
A.
The plan's expiration date
B.
The member's policy number and coverage details
C.
The provider's contact number only
D.
Only the insurance company's logo
Correct Answer:
B
The health insurance card typically includes the member's policy number and essential coverage details necessary for accessing care.
#Question
A member considers contributing to their IRA and health savings account (HSA). What is a key understanding?
A.
Only the IRA affects tax status
B.
HSAs have no tax advantages
C.
HSAs have specific tax deductions
D.
Both accounts function in the same way
Correct Answer:
C
HSAs come with tax advantages, including tax-deductible contributions that should be emphasized when making financial decisions.
#Question
A member receives a notice of a network change after their doctor leaves. What should they do?
A.
Wait until the next open enrollment
B.
Stop seeking treatment
C.
Stay with the out-of-network provider
D.
Look for a new in-network provider
Correct Answer:
D
They should seek a new in-network provider to ensure they can maximize their benefits without increased costs.
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