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GA Health Insurance Exam/122 Questions with Answers
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GA Health Insurance Exam/122Questions with Answers
Under which of the following circumstances will the benefits under COBRA
continuation coverage end? - -all group health plans are terminated by the
employer
-Dental care coverage is designated to cover the costs of all the following
EXCEPT: - -loss of income
-Which type of policy would pay an employee's salary if the employer was
injured in a bicycle accident and out of work for six weeks? - -Business
Overhead Expense
-P and Q are married and have three children. P is the primary beneficiary
on Q's Accidental Death and Dismemberment (AD&D) policy and Q's sister R
is the contingent beneficiary. P, Q, and R are involved in a car accident and Q
and R are killed instantly. The Accidental Death benefits will be paid to: - -P
only
-Common exclusions to continuation of group coverage include: - -Dental
Care, Other Prescription Drugs
-G is an accountant who has ten employees and is concerned about how the
business would survive financially if G became disabled. The type of policy
which BEST addresses this concern is: - -Business Overhead Expense
-The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives
workers (and their families) whose employment has been terminated the
right to: - -continue group health benefits
-The Coordination of Benefits provision: - -prevents an insured covered by
two health plans from making a profit on a covered loss
-K has an Accidental Death and Dismemberment (AD&D) insurance policy
where her husband is beneficiary and her daughter is contingent beneficiary.
Under the Common Disaster clause, if K and her husband are both killed in
an automobile accident, where would the death proceeds be directed? - -
daughter
-Accidental Death coverage is provided to commercial airline passengers in
which of the following types of policies? - -Blanket Accident policy
, -A policy owner would like to change the beneficiary on an Accidental Death
and Dismemberment (AD&D) insurance policy and make the change
permanent. Which type of designation would fulfill this need? - -Irrevocable
-Which of the following medical expenses does Cancer insurance NOT cover?
- -arthritis
-Which of the following is the reimbursement of benefits for the treatment of
a beneficiary's injuries cause by a third party? - -subrogation
-An insured covered by Accidental Death and Dismemberment (AD&D)
insurance has just died. What will happen if the primary beneficiary had
already died before the insured and contingent beneficiary? - -proceeds will
go to the contingent beneficiary
-Which of the following statements BEST describes how a policy that uses
the "accidental bodily injury" definition of an accidental differs from one that
uses the "accidental means" definition? - -less restrictive
-The percentage of an individual's Primary Insurance Amount (PIA)
determines the benefits paid in which of the following programs? - -Social
Security Disability Income
-Under what system do a group of doctors and hospitals in a designated
area contract with an insurer to provide services at a prearranged cost to the
insured? - -PPO
-Which of the following statements is true about most Blue Cross/Blue Shield
organizers? - -they are nonprofit organizers
-Which of the following types of organizations are prepaid group health
plans, where members pay in advance for the services of participating
physician and hospitals that have agreements? - -HMO
-Which of the following does Social Security NOT provide benefits for? - -
Dismemberment
-Which type of provider is known for stressing preventative medical care? -
-HMO
-Which of the following BEST describes how a Preferred Provider
Organization (PPO) is less restrictive than a Health Maintenance Organization
(HMO)? - -more physician to choose from
-Which of the following reimburses its insureds for covered medical
expenses? - -Commercial Insurers
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