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PRACTICE EXAM OF TEXAS LIFE & HEALTH INSURANCE. "HEALTH SECTION #1" EXAM QUESTIONS WITH COMPLETE ANSWERS $11.49   Add to cart
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PRACTICE EXAM OF TEXAS LIFE & HEALTH INSURANCE. "HEALTH SECTION #1" EXAM QUESTIONS WITH COMPLETE ANSWERS
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PRACTICE EXAM OF TEXAS LIFE & HEALTH INSURANCE. "HEALTH SECTION #1" EXAM QUESTIONS WITH COMPLETE ANSWERS

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  • September 5, 2024
  • 5
  • 2024/2025
  • Exam (elaborations)
  • Questions & answers

Subjects

  • practice exam of texas life health insurance h

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  • TEXAS LIFE & HEALTH INSURANCE
  • TEXAS LIFE & HEALTH INSURANCE

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PRACTICE EXAM OF TEXAS LIFE &
HEALTH INSURANCE. "HEALTH
SECTION #1" EXAM QUESTIONS WITH
COMPLETE ANSWERS
1) If a dentist was off work for 4 months due to disability, his dental assistant's salary
would be covered by:
A- Partnership Disability insurance
B- Key Employee Disability
C- Business Overhead insurance
D- Disability Income insurance - Answer-C- Business Overhead insurance

) Jesse Vega is involved in a two-car accident in which he is disabled and Mr. Vega's
passenger and the other driver are injured. Which of the following would most likely be
covered by his Disability Income policy?
A- His lost income
B- The disability of the other driver
C- His medical expenses
D- The dismemberment of an arm of the passenger - Answer-A- His lost income

1) The right of an employee to exchange his Group insurance for an Individual policy
within 31 days from termination of employment is provided by the:
A- Reinstatement provision
B- Conversion provision
C- Insurability provision
D- Renewability provision - Answer-B- Conversion provision

1) Which of the following is true about the Health Insurance Portability and
Accountability Act (HIPAA):
A- Probationary periods relating to preexisting conditions are prohibited
B- It applies to all types of Health insurance
C- Pregnancy may not be considered to be a pre-existing condition
D- It enables terminated employees to continue their group coverage - Answer-C-
Pregnancy may not be considered to be a pre-existing condition

their group coverage

1) When comparing PPOs (Preferred Provider Organizations) to HMOs (Health
Maintenance Organizations), the main difference between them is:
A- HMOs stress preventative care
B- HMOs provide broader choice of doctors
C- PPOs have federal subsidies
D- HMOs have higher deductibles - Answer-A- HMOs stress preventative care

, 1) Which of the following does not follow the principle of indemnity and, if you were
diagnosed with cancer, would pay in addition to any other medical expense coverage
you have?
A- Medicaid
B- Critical illness plan
C- Medicare
D- POS plan - Answer-B- Critical illness plan

1) Which of the following would be covered by Accidental Death and Dismemberment
(AD&D) insurance:
A- Accidental loss of hearing
B- Paralysis due to accident
C- Accidental loss of eyesight
D- Death due to heart attack - Answer-C- Accidental loss of eyesight

1) The most an insured can collect on a Disability Income policy is most closely tied to:
A- The average income in their state
B- 200% of his income
C- Their income
D- A percentage of the federal poverty guidelines - Answer-C- Their income

1) A 69-year old Medicare beneficiary, who has been hospitalized twice in the past year,
should consider buying which of the following to cover future excess medical bills:
A- Major Medical
B- Medicare Supplement
C- Medicaid
D- Long Term Care - Answer-B- Medicare Supplement

1) When selling a Medicare Supplement policy, a producer must disclose all of the
following, EXCEPT:
A- What Medicare covers and what the Supplement covers
B- Limitations and exclusions
C- The 10 day free look provision
D- Premium - Answer-C- The 10 day free look provision

1) Jim has a Major Medical policy with a $500 deductible and 80/20 co-insurance. If he
has a $5,000 claim, how much of the claim will Jim have to pay:
A- $500
B- $3,600
C- $1,400 His Deductible + His 20%
D- $900 - Answer-C- $1,400 His Deductible + His 20%

) Which of the following A&H policies would provide reimbursement for expenses
incurred as the result of a broken leg?
A- Dental insurance policy

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