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Life insurance Questions & 100% Correct Answers- Latest Test | Graded A+ | Passed
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A closed network plan offers a primary physician copay of $25. If a subscriber chooses a primary care physician outside of the network the subscriber will likely pay -:- 100% of the billed amount The fair credit reporting act protects consumers -:- with guidelines regarding credit reporting ...

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  • September 6, 2024
  • 30
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

Subjects

  • life insurance questions 100 correct answers
  • a closed network plan offers a primary physician c

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  • Life Insurance
  • Life Insurance

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2024 /2025 | © copyright | This work may not be copied for profit gain | Excel!



Life insurance Questions & 100% Correct
Answers- Latest Test | Graded A+ | Passed
A closed network plan offers a primary physician copay of $25. If a subscriber chooses a

primary care physician outside of the network the subscriber will likely pay


✓ -:- 100% of the billed amount




The fair credit reporting act protects consumers


✓ -:- with guidelines regarding credit reporting and distribution




which type of plan would be most appropriate for an individual on medicare and is

concerned that medicare will not pay for charges exceeding approved amount?


✓ -:- medicare supplement plan F




in ohio accident and health policies that are paid less-frequent than monthly must provide a

grave period of at least


✓ -:- 31 days




statements made by an insurance applicant on an application are considered to be


✓ -:- representations




1|Page | Grade A+| 2024/2025

,2024 /2025 | © copyright | This work may not be copied for profit gain | Excel!

Tyler purchased a disability policy with a waiver of premium rider on April 1. He is disabled

on May 1. On June 1, he receives proof of permanent and total disability, and submits a

claim. He begins receiving benefits on June 15. When are his premiums waived?


✓ -:- May 1




Lorenzo is self employed with an S corporation. He is unmarried and had a net profit for the

tax year. What are the tax ramifications of his health insurance premiums paid for the year?


✓ -:- 100% of his health insurance costs can be deducted from his gross income




An insurer's ability to make unpredictable payouts to policyowners is called


✓ -:- liquidity




Tom has a home health care benefit and is confined to his home. Which of these benefits is

NOT typically covered?


✓ -:- Full-time nursing care




Ron has a new employer and wishes to enroll in the company's group health plan. In

determining whether his pre-existing health condition applies, Ron cannot have more than

a ___ day gap without previous health insurance.


✓ -:- 63



2|Page | Grade A+| 2024/2025

, 2024 /2025 | © copyright | This work may not be copied for profit gain | Excel!

xyz company has applied for group health insurance for its employees. What information

should the insurers underwriters likely use to determine the appropriate coverage and final

premium rate given to the group?


✓ -:- experience rating




Which of the following does coordination of benefits alllow?


✓ -:- allows the secondary payor to reduce their benefit payment so no more than

100% of the claim is paid.




This MANDATORY health policy provision states that the policy, including endorsements

and attached papers, constitutes


✓ -:- the entire insurance contract between the parties




Maria is a Preferred Provider Organization (PPO) subscriber and received care from an out-

of-network provider. Which of the following is the likely result?


✓ -:- Care is covered




Someone needing custodial care at home would require which type of coverage?


✓ -:- long term care




3|Page | Grade A+| 2024/2025

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