SC Life & Health Insurance Questions & Answers 100% Correct!

Which of the following is NOT considered to be a basic service, under a nonscheduled plan a) oral surgery b) Fillings c) Dentures d) Endodontics - ANSWERSC) Dentures Which of the following is Not a characteristic or a service of an HMO plan a) Providing care on an outpatient basis b) Contracting with insurance companies c) Providing free annual checkups d) Encouraging early treatment - ANSWERSB) Contracting with insurance companies All of the following qualify for Medicare Part A EXCEPT a) anyone who is over 65, not covered by SS, and is willing to pay premium b) anyone who is willing to pay a premium c)anyone that qualifies through Social Security d) anyone who is at the end stage of renal disease - ANSWERSB) Anyone who is willing to pay a premium An insured is involved in a car accident. In addition to general, less serious injuries, he permanently loses the use of his leg and is rendered completely blind. The blindness improves a month later. To what extent will he receive Presumptive Disability benefits? a) Full benefits until the blindness lifts b) No benefits c) Full benefits d)Partial benefits - ANSWERSB) no benefits- only loss the use in one leg and because the blindness was only temporary Social Security was created to provide all of the following benefits EXCEPT a) Retirement income b) Unemployment income c) Survivor's benefits d) Disability income - ANSWERSB) Unemployment income Which of the following riders would NOT cause the Death Benefit to increase a) Cost of Living Rider b) Accidental Death Rider c) Payor Benefit