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Exam (elaborations)

Tennessee Health Insurance Exam - Pearson VUE

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Tennessee Health Insurance Exam - Pearson VUE

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  • October 20, 2024
  • 55
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers
  • Pearson Vue
  • Pearson Vue
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58 Multiple choice questions

Term 1 of 58
the coinsurance clause in an individual medical expense refers to

is a penalty for late payment of premiums.

is a provision that requires the insured to share in the costs of medical care with the
insurance company


is a requirement for obtaining additional coverage.

is a clause that limits the total payout for medical expenses.

Term 2 of 58
time of payment claims provision stated that intervals between disability income benefit may
not exceed

45 days

60 days

6 months


30 days

Term 3 of 58
most insurance companies use customary reasonable precharges to

set the maximum limit for annual medical expenses.


determine what amount of a medical bill the insurance plan will cover.

calculate the total cost of premiums for the insured.


establish the eligibility criteria for policyholders.

,Term 4 of 58
what of the following kinds of policies contain a limited daily room and board

basic hospital


major medical

comprehensive major medical


basic medical

Term 5 of 58
Medicare supplement contract may include a preexisting condition exclusion in how many
months?

31 days

12 months


6 months

30 days

Term 6 of 58
Commissioner of insurance is able to suspend or revoke a license except when?

a licensee is found guilty of a minor traffic violation


a licensee defaults on a personal loan

a licensee changes their business address without notifying the commissioner

a licensee fails to meet sales targets for three consecutive months

,Term 7 of 58
what is correct about disability income with a guaranteed insurance rider

its comprehensive, complies with the Affordable Care Act's (ACA) regulations for
qualifying health plans, and are designed to minimize out-of-pocket expenses for
individuals and families.

A guaranteed insurability rider guarantees the insured the option of purchasing
additional amounts of disability income coverage at predetermined times without
requiring the insured to provide evidence of insurability

non grandfathered health plans in the individual and small group markets to cover
essential health benefits.


complete a pre-licensing course of study, pass a background check, obtain license

Term 8 of 58
Moving from one state to another, a producer must file a change of address within how many
days?

60 days


30 days

45 days

6 months

Term 9 of 58
What is required for insurance applicants for an insurer who are required to pass a written
exam?

complete a customer service training and pass a drug test

submit a financial statement and provide references from previous employers

attend a seminar on insurance ethics and pass a physical fitness test

complete a pre-licensing course of study, pass a background check, obtain license

, Term 10 of 58
a type of health contract that allows remaining partners to buy out interests is known as

Group Disability


Transfer Of Ownership

Key Person Disability

Disability Buy-Sell

Term 11 of 58
what is true about group short term disability

typically have a maximum benefit period of three to six months, though some may
provide one year's worth of benefits.

are mandatory for all employees regardless of their job type.

provide unlimited benefits for any type of injury or illness.


are only available to full-time employees with over five years of service.

Term 12 of 58
misstatement of age provision in an accident and health policy allows insurance companies to
take the following action

The policy is in force

Cancel the policy

Adjust the benefit payable

Impose a fine

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