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FLORIDA STATE HEALTH INSURANCE TEST QUESTIONS AND ANSWERS
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FLORIDA STATE HEALTH INSURANCE TEST QUESTIONS AND ANSWERS
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FLORIDA STATE HEALTH INSURANCE TESTQUESTIONS AND ANSWERS 2024-2025
neighbor ANS -An individual may purchase a life insurance policy on all of the following persons EXCEPT:
a)dependent
b)spouse
c) business partner
d) neighbor
preexisting condition ANS -regarding long term care insurance, the existence of symptoms that would
cause an ordinarily prudent person to seek diagnosis or treatment, or a condition for which medical
advice or treatment was recommended by or received from a provider of health care service within six
months before the effective date of an insured's coverage is known as:
capitation ANS -Method of payment in which a provider is paid a specific monthly fee for each
subscriber.
Incontestable policy ANS -2 years
group model HMO ANS -contracts with an independent medical group that specializes in a variety of
medical services in order to provide those services to its HMO subscribers.
prepaid basis ANS -HMO managed health care and the associated costs.
staff model HMO ANS -contracting physicians that are paid employees working on the staff of the HMO.
Operate at the clinic setting at the physical facility.
network model HMO ANS -an HMO that contracts with several medical groups to increase accessibility
to providers as a convenience to subscribers. Each of the medical groups is paid a capitation fee to
provide services to its Star subscribers.
,individual practice association model HMO ANS -A group of individual physicians with each physician
operating from his or her own office paid a fee-for-service basis with the fees negotiated in advance.
closed panel ANS -HMO that provides health care services from a limited number of health care
providers chosen by the HMO
long term care ANS -Refers to care provided for an extended period of time, normally more than 90
days. Depending on the severity of the impairment, assistance may be given at home, at an adult care
center, or in a nursing home.
This pays for rehabilitative or recuperative care needed after a long illness or hospital.
long term care ANS -described as broad range of medical, personal, and environmental service designed
to assist individual who have lost their ability to remain completely independent in the community.
inflation protection ANS -increases benefits to keep up with the anticipated cost increases for long term
care services is said to have:
the purpose of medical expense insurance is to: ANS -reimburse the insured for expenses incurred for
medical care, hospital care, and related services. In contrast, the purpose of disability income insurance
is to provide periodic payments to an insured who cannot work because of disability. Long term care
insurance pays for rehabilitative or recuperative care needed after a long illness or hospital stay.
-written on a residual basis.
workers compensation ANS -insurance pays for care related to a worker's injuries, disabilities, or illness
incurred the job regardless of fault.
-benefits include medical care costs and disability income.
-all states have workers' compensation laws.
-laws are designed to return injured persons to work.
-most states offer disabled employees to receive workers comp Monthly.
, franchise insurance ANS -Administered by group methods to individuals with or without evidence of
insurability. issued as individual accident and health insurance policies distributed on a mass
merchandising basis.
misrepresentation ANS -if a producer states that policy dividends are guaranteed when in fact they are
not, this is an example of:
*When an agent tells a prospect that benefits, conditions, rating or advantages exist in a product when
in fact they don't.
a)through a federally funded clinic ANS -when a policy covers chemotherapy cancer hormone
treatments and other approved cancel treatments, benefits are available when treatment is received at
all of the following except:
a)through a federally funded clinic
b) through outpatient treatment at a hospital
c)through hospital inpatient treatment.
d)in a doctor's office.
a) 30 days ANS -a licensed agent must notify the Department of Financial Service of his change of
address within how many days?
a)30 days
b)10days
c) 15 days
d) 60 days
representations ANS -All statements made by an applicant in an application for life insurance generally
are considered to be:
only written statements are considered this.
comprehensive medical expense covers all the following ANS --Surgical fees
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