Exam (elaborations)
Arizona Life & Health Insurance test part 2 -- Health, Medicare, etc.
Arizona Life & Health Insurance test part 2 -- Health, Medicare, etc.
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Arizona Life & Health Insurancetest part 2 -- Health, Medicare,
etc.
a health exclusion rider - -The disability income policy most likely to have
been issued on a substandard basis is non-cancelable with what?
-Same rates are charged for individual and group plans in the same
geographical area - -How does community rating for underwriting purposes
determined?
-point-of-service (POS) - -A plan which combines indemnity plan features
with those of an HMO
-Large Group rating - -Experience rating.
-he may be reimbursed for surgical procedure at a reduced benefit level - -
Insured disregarded an accident and health insurance policy provision that
requires him to seek a second surgical option,
-Containment of the employer's premium cost. - -What does a Mandatory
Second Surgical Opinion provision provide to an employer-paid health
insurance plan?
-1. issuing policy, declining policies, excluding a particular health condition
from coverage - -Basic underwriting action for accident and health insurance
-NO FEDERAL TAXES AFTER CLAIM - -Accidental Death, Blanket Health and
Major Medical (only will the Disability Income be taxed federally after a
claim)
-Disability Income insurance policy - -was recently issued with a rating
which means policyowner will be charged an addition premium.
-Corporation paying for group disability income coverage for its employees. -
-In what situation would disability income insurance premiums be a
deductible expense?
-The length of time spent in the hospital is monitored. - -Which of these
result of concurrent review ?
-A review of the insured's ability to perform the activities of daily living. - -
What is the functional assessment for long-term care benefits?
, -20 day free-look period - -period is required for the Medicare Supplement
policy .
-Long-Term Care coverage ADL - -Eating, bathing, dressing appropriately.
-4, Medicare Supplement core benefit - -Medicare B
-Custodial Care - -Assists individual with performing basic daily activities
such as bathing, dressing, eating, etc.
-eligibile benefits using Expense incurred - -Long term Care Policies will
usually pay for
-Acute Care , custodial care outside US and self-inflicted injuries - -
EXCLUDED in long-term care
-Medicare emergency health care travelling abroad - -additional benefit of
Medical care supplement.
-Insured uses preferred providers in exchange for paying lower premiums - -
reflects portrayal of Medicare
-Medicare Supplement - -Medicare companies of privately owned
companies
-Respite Care - -found in Long Term Care policy
-Intermediate Care - -level of care to be prescribed on an intermittent basis.
-Coinsurance paid by - -by Medicare Supplement part A for Medicare part A
-a comprehensive long-term policy - -Acute care is NOT covered by
-covers the yearly physical examinations. - -Medicare supplement insurance
-Social Security OASDI program - -covers workers who qualify - mentally or
physically disabled that he cannot perform and substantial gainful work. The
impairment must expected to last at least 12 months or result in an early
death. Five month waiting period before an individual will qualify for benefits.
-TRI-CARE for FED GOV Accident & Health plan - -which provides accident
and health coverage to military
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