You have a new health plan. Which is a good first step to getting the most out of your health plan? *


 
Correct! The answer is B. Call your health plan for help choosing a primary care provider who is “in-network.” A primary care provider is a doctor, nurse practitioner or physician assistant who you can go to for check-ups or when you get sick. If you go to a doctor or other health care provider who is not in-network, your insurance might not pay the bill.

 
Incorrect. The answer is B. Call your health plan for help choosing a primary care provider who is “in-network.” A primary care provider is a doctor, nurse practitioner or physician assistant who you can go to for check-ups or when you get sick. If you go to a doctor or other health care provider who is not in-network, your insurance might not pay the bill.

 
You have health insurance. What’s the best and cheapest way for you to avoid the flu? *


 
Correct! The answer is A. Get a free flu shot from a provider in your health plan’s network, such as a doctor, nurse practitioner or even a local pharmacy. Thanks to the Affordable Care Act, all health plans must pay the full cost of your annual flu shot from an in-network provider.

 
Incorrect. The answer is A. Get a free flu shot from a provider in your health plan’s network, such as a doctor, nurse practitioner or even a local pharmacy. Thanks to the Affordable Care Act, all health plans must pay the full cost of your annual flu shot from an in-network provider.

 
After a bad cold, you develop a pain in your ear. You think it might be an ear infection. You have health insurance. What should you do? *


 
Correct! The answer is C. It’s worth being seen by a medical professional in this case. First try your primary care provider. He or she should know your medical history and may be the least expensive option for you. Your second choice should be an urgent care office. Just make sure they take your insurance. If you go to the emergency room when it is not a life-threatening situation, you may get stuck with a big bill.

 
Incorrect. The answer is C. It’s worth being seen by a medical professional in this case. First try your primary care provider. He or she should know your medical history and may be the least expensive option for you. Your second choice should be an urgent care office. Just make sure they take your insurance. If you go to the emergency room when it is not a life-threatening situation, you may get stuck with a big bill.

 
You’re due to see a gynecologist for a check-up but have been procrastinating. You have health insurance. What should you do? *


 
Correct! The answer is D. Your health insurance will pay the full cost of your “well-woman” exam. This is in addition to any regular check-ups you might have with your primary care provider. If you are due for a Pap test, mammogram or screening for sexually transmitted infections, you can get them for FREE with your health insurance too.

 
Incorrect. The answer is D. Your health insurance will pay the full cost of your “well-woman” exam. This is in addition to any regular check-ups you might have with your primary care provider. If you are due for a Pap test, mammogram or screening for sexually transmitted infections, you can get them for FREE with your health insurance too.

 
You have health insurance, but sometimes you have to pay out-of-pocket costs like a deductible. What kinds of health services are always FREE to you? *


 
Correct! The answer is A. The law requires that your health plan cover 100% of the cost of a long list of preventive services. These include vaccines, cancer screening tests, STI/HIV screening and more. Go to https://www.healthcare.gov/coverage/preventive-care-benefits/ to see what else is free for men, women and children with health insurance.

 
Incorrect. The answer is A. The law requires that your health plan cover 100% of the cost of a long list of preventive services. These include vaccines, cancer screening tests, STI/HIV screening and more. Go to https://www.healthcare.gov/coverage/preventive-care-benefits/ to see what else is free for men, women and children with health insurance.

 
You’ve decided you do not want to become pregnant anytime soon. What is a form of birth control you can get for FREE with your health insurance? *


 
Correct! The answer is D. Your health plan must cover 100% of the cost of one or more brand of each of the 18 FDA-approved forms of prescription birth control. To get your free birth control, call your health plan and ask which brands they cover. Then make an appointment to see your women’s health care provider. The appointment may also be free!

 
Incorrect. The answer is D. Your health plan must cover 100% of the cost of one or more brand of each of the 18 FDA-approved forms of prescription birth control. To get your free birth control, call your health plan and ask which brands they cover. Then make an appointment to see your women’s health care provider. The appointment may also be free!

 
You got a surprise bill from the lab that did your blood test. What should you do? *


 
Correct! The answer is D. Health insurance companies have confusing rules. The best way to find out if you need to pay the bill is to call your health plan and ask them to explain it to you. It’s possible that the lab made a mistake and you owe nothing. It’s also possible that it is not a mistake and you have to pay the bill.

 
Incorrect. The answer is D. Health insurance companies have confusing rules. The best way to find out if you need to pay the bill is to call your health plan and ask them to explain it to you. It’s possible that the lab made a mistake and you owe nothing. It’s also possible that it is not a mistake and you have to pay the bill.

 
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