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NJ HEALTH INSURANCE EXAM QUESTIONS WITH COMPLETE ANSWERS.
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NJ HEALTH INSURANCE EXAM QUESTIONS WITH COMPLETE ANSWERS.
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NJ HEALTH INSURANCE EXAMQUESTIONS WITH COMPLETE
ANSWERS
Total hhdisability hhdefinition hhcan hh- hhANS-vary hhamong hhpolicies hhand hhcompanies
Permanent hhpartial hhdisability hhwould hhbe hhcovered hhby hh- hhANS-residual hhdisability
An hhagent hhdiscussing hhdisability hhincome hhcoverage hhwith hhan hhindividual hhwho
hhhas hhrecently hhfinished hhcollege hhand hhstarted hhwith hhan hhentry hhlevel hhjob. hhWhat
hhrider hhshould hhthe hhagent hhrecommend hhfor hhthe hhclient? hh- hhANS-Guaranteed
hhinsurability hhrider
Allows hhyou hhto hhpurchase hhadditional hhdisability hhincome hhinsurance hhin hhthe
hhfuture hhwithout hhhaving hhto hhprove hhinsurability
Example hhof hha hhpresumptive hhdisability hh- hhANS-Nancy hhwas hhcompletely hhblinded
hhand hhwill hhnot hhrecover hhher hhsight
Presumptive hh(catastrophic) hhdisability hh- hhANS--often hhwritten hhwith hha hhdisability
hhpolicy
-disability hhof hhthe hhinsured hhwill hhbe hhpresumed hhto hhbe hhTotal hh& hhPermanent
hhupon hhloss hhof hhsight, hhloss hhof hhthe hhuse hhof hh2+ hhlimbs, hhloss hhof hhhearing,
hhloss hhof hhspeech
How hhdo hhDisability hhIncome hhpolicies hhdiffer? hh- hhANS--Whether hhor hhnot
hhcoverage hhis hhprovided hhin hhaddition hhto hhWorker's hhComp
-The hhlength hhof hhthe hhelimination hhperiod
-How hh"Total hhDisability" hhis hhdefined
An hhindividual hhwho hhhas hhhad hha hhheart hhmurmur hhsince hhbirth hhis hhlikely hhto hhbe
hhissued hha hhpolicy hhthat hhincludes hh- hhANS-An hhimpairment hhrider
, Impairment hhrider hh(exclusion hhrider) hh- hhANS-Takes hhaway hhcoverage hhfor hha
hhspecified hhmedical hhcondition hh(diabetes hhor hhepilepsy)
Before hhMr. hhJones hhwas hhdisabled, hhhe hhwas hha hhfull-time hhengineer hhearning
hhabout hh$70,000 hhannually. hhNow, hhtwo hhyears hhlater hhhe hhis hhable hhto hhwork hhpart-
time, hhearning hhabout hh$25,000 hhannually.
It hhis hhLikely hhthat hhMr. hhJones hhis hhclassified hhas hh- hhANS-partially hhdisabled
What hhis hhthe hhpurpose hhof hhthe hhelimination hhperiod? hh- hhANS-It hhspecifies hhthe
hhnumber hhof hhdays hhbetween hhwhich hhdisability hhbenefits hhwill hhbe hhpaid
Under hhNJ hhminimum hhstandards hhfor hhindividual hhhealth hhinsurance hhpolicies, hha
hhprobationary hhperiod hhfor hh"sickness" hhmay hhnot hhexceed hh- hhANS-30 hhdays
Recurrent hhdisability hh- hhANS-recurs hhdue hhto hhthe hhsame hhbenefit hhor hhrelated
hhcause hhof hhloss hhwithin hh6 hhmonths hhof hhthe hhback hhto hhwork hhdate, hhno
hhelimination hhperiod hhupon hhrecurrence
Basic hhHospital hhPlan hhcovers hh- hhANS--daily hhhospital hhroom hh& hhboard
-miscellaneous hhhospital hhservices
-Hospital hhoutpatient hhservices
Basic hhMedical hhSurgical hhcovers hh- hhANS--surgical hhexpenses
-anesthesia hhservices
-In hhhospital hhphysician hhservices
Basic hhmedical hhplan hh- hhANS--Minimal hhbenefits
-No hhdeductible
When hha hhhealth hhinsurance hhplan hhoperates hhon hha hhreimbursement hhbasis,
hhbenefits hhare hhpaid hhto hh- hhANS-the hhinsured
Physician's hhexpenses hhfor hhnonsurgical hhcare hhrendered hhin hhthe hhhospital hhand
hhfor hhvisits hhto hha hhphysician's hhoffice hhwould hhbe hhcovered hhunder hh- hhANS-Major
hhMedical
Major hhMedical hhcharacteristics hh- hhANS-Broad hhcoverage hhof hh"covered" hhor
hh"eligible" hhexpenses hhwith:
-few hhexclusions
-high hhmax hhlimits
-uses hhdeductibles, hhcoinsurance, hhand hhinternal hhpay hhlimits
Another hhterm hhfor hh"stop hhloss hhlimit" hh- hhANS-out hhof hhpocket hhlimit
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