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Idaho health insurance policy types practice questions

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The general part of the Idaho Accident and Health exam has 50 scored questions, and section I, Types of Policies, has 16 of them, the largest share. [1] The outline lists disability income (individual disability income, business overhead expense, business disability buyout, group disability income, key employee), accidental death and dismemberment, medical expense insurance (basic hospital, medical and surgical; major medical; HMOs; PPOs; point of service plans; FSAs; high deductible health plans and related HSAs; HRAs), Medicare supplement policies, group insurance (differences from individual contracts, general characteristics, COBRA), individual and group long term care (eligibility, levels of care), and other policies (dental, vision, cancer, critical illness or specified disease, worksite, hospital indemnity, short-term medical, accident). [1] This page uses Idaho law, the Idaho Department of Insurance and federal sources to explain them, with 10 practice questions.

Idaho's categories of coverage (Idaho Code 41-4204)

Idaho's minimum standards law lists seven categories of individual coverage the director sets standards for: basic hospital expense; basic medical-surgical and dental expense; hospital confinement indemnity; major medical expense; disability income protection; accident only; and specified disease. [2]

Medical expense terms

The Idaho Department of Insurance glossary defines a deductible as the amount you pay for covered services before the plan starts to pay, and the out of pocket limit as the most you pay in a policy period, usually a year, before the plan pays 100% of the allowed amount. [3] A network is the facilities, providers and suppliers the plan has contracted with, and a non-preferred provider is one with no contract, so you pay more to see them. [3]

Tax-favored accounts (IRS Publication 969)

To contribute to a health savings account you must be covered by a high deductible health plan, have no other health coverage except permitted kinds, not be enrolled in Medicare, and not be claimed as someone else's dependent. An HSA "stays with you if you change employers or leave the work force." [4] A health FSA is usually funded through voluntary salary reductions. An HRA "must receive contributions from the employer only." [4]

Long term care

Idaho Code defines long term care insurance as coverage for at least twelve consecutive months for services provided somewhere other than an acute care unit of a hospital. [5] The Department explains that policies can pay for nursing home care, home health care, and personal or adult day care up to the policy limits, and that Medicare "does not pay for most long-term care." [6]

Medicare supplement and short term plans

A Medicare supplement policy is one advertised, marketed or designed mainly to supplement Medicare's payments for the hospital, medical or surgical expenses of people eligible for Medicare. [7] Idaho's individual health availability law excludes nonrenewable short term coverage issued for 12 months or less from its definition of a health benefit plan, according to the Department. [8]

Practice questions

1. Which is one of Idaho's seven categories of individual health coverage?

A. Travel medical
B. Hospital confinement indemnity
C. Pet insurance
D. Funeral expense

Answer: B. (Idaho Code 41-4204(1)(c)) [2]

2. A plan's deductible is $2,000. What does that mean?

Answer: The insured pays the first $2,000 of covered services before the plan starts to pay. [3]

3. After the out of pocket limit is reached, what does the plan pay?

Answer: 100% of the allowed amount for covered services for the rest of the policy period. [3]

4. Why does a patient pay more to see a non-preferred provider?

Answer: The provider has no contract with the insurer or plan. [3]

5. Which person cannot contribute to an HSA?

A. A worker with a high deductible plan and no other coverage
B. Someone enrolled in Medicare
C. A self-employed person with a high deductible plan
D. A worker who changed jobs last month

Answer: B. [4]

6. Who may fund an HRA?

Answer: Only the employer. [4]

7. A client changes employers. What happens to her HSA?

Answer: It stays with her. [4]

8. Under Idaho law, how long must long term care coverage last at a minimum?

Answer: At least twelve consecutive months for each covered person. (Idaho Code 41-4603(5)) [5]

9. Does Medicare pay for most long term care, according to the Idaho Department of Insurance?

Answer: No. [6]

10. What makes a policy a Medicare supplement policy under Idaho law?

Answer: It is advertised, marketed or designed primarily to supplement Medicare's payments for hospital, medical or surgical expenses of people eligible for Medicare. (Idaho Code 41-4402(6)) [7]

Study tips for section I

Try the free Idaho accident and health practice test next.

Prep Retention is independent and is not affiliated with Pearson VUE or the state.

Sources

Laws and exam documents quoted as of October 2026.

  1. Pearson VUE, Idaho content outlines 121301 (effective July 31, 2025): https://www.pearsonvue.com/content/dam/VUE/vue/en/documents/publications/121301.pdf
  2. Idaho Code 41-4204: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH42/SECT41-4204/
  3. Idaho Department of Insurance, Glossary of Health Coverage and Medical Terms: https://doi.idaho.gov/wp-content/uploads/2021/04/Health-Coverage-and-Medical-Terms-Glossary-2.pdf
  4. IRS Publication 969: https://www.irs.gov/publications/p969
  5. Idaho Code 41-4603: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH46/SECT41-4603/
  6. Idaho Department of Insurance, Long Term Care: https://doi.idaho.gov/consumers/long-term-care-insurance/
  7. Idaho Code 41-4402: https://legislature.idaho.gov/statutesrules/idstat/Title41/T41CH44/SECT41-4402/
  8. Idaho Department of Insurance, Individual Health: https://doi.idaho.gov/consumers/health-insurance/individual-health/

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