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ARKANSAS HEALTH INSURANCE EXAM AND PRACTICE EXAM NEWEST ACTUAL EXAM COMPLETE 400 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+ $30.49
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ARKANSAS HEALTH INSURANCE EXAM AND PRACTICE EXAM NEWEST ACTUAL EXAM COMPLETE 400 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
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Course
ARKANSAS HEALTH INSURANCE
Institution
ARKANSAS HEALTH INSURANCE
ARKANSAS HEALTH INSURANCE EXAM AND
PRACTICE EXAM NEWEST ACTUAL
EXAM COMPLETE 400 QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+
ARKANSAS HEALTH INSURANCE EXAM AND
PRACTICE EXAM NEWEST 2024-2025 ACTUAL
EXAM COMPLETE 400 QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED
ANSWERS) |ALREADY GRADED A+
ARKANSAS HEALTH INSURANCE EXAM
Jennifer is required to pay a specific sum out of pocket before
any benefits are paid in a year. Her health policy most likely
contains a(n)
stop-loss provision
deductible
copayment
out of pocket provision - ANSWER- deductible
A health insurance policy will typically cover
injuries obtained from war
elective cosmetic surgery
,2|Page
preventative health services
work related injuries - ANSWER- preventative health services
What is the tax liability for emplover contributions in Health
Savings Accounts (HSA's)?
Taxable as regular income to the employee
Tax-deductible expense to the employee
No tax payment needed
Taxable to the employee when they exceed 7 1/2 % AGI -
ANSWER- No tax payment needed
Coming from an insurance point of view, which of the following
is the main risk associated with disabilitv?
Loss of limbs
Loss of income
Decreased work skills
Decreased mobility - ANSWER- Loss of income
The waiting period for a disability insurance policy
,3|Page
excludes payments for a short-term illness or injury
is the period of time that must elapse following the effective
date of the policy before benefits are payable
helps the insurer determine if the claim is legitimate
allows the insurer to collect medical information on the
policyowner - ANSWER- Excludes payment for a short-term
illness or injury
Frank is shopping for a disability income policy. Which of the
following would have the HIGHEST premium?
14 day waiting period / 5 year benefit period
14 day waiting period / 10 year benefit period
28 day waiting period / 5 year benefit period
28 day waiting period / 10 year benefit period - ANSWER- 14
day waiting period / 10 year benefit period
A rehabilitation benefit is intended to
prepare the insured to return to employment
minimize the insurer's liability
give the insured time to find a new career
, 4|Page
increase the overall benefits given to the insured - ANSWER-
prepare the insured to return to employment
Which type of disability would be less than total impairment and
equal to permanent impairment?
The factor used most often when underwriting a disability
income policy is
annual earnings
sex of the insured
marital status
occupation - ANSWER- annual earnings
What percentage of a participant's income are group long-term
disability benefit amounts typically limited to?
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