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NJ HEALTH AND ACCIDENT AND FINAL EXAM AND PRACTICE EXAM WITH ACTUAL CORRECT QUESTIONS AND VERIFIED DETAILED ANSWERS |FREQUENTLY TESTED QUESTIONS AND SOLUTIONS |ALREADY GRADED A+|BRAND NEW VERSION!!! |GUARANTEED PASS|LATEST UPDATE$22.49
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NJ HEALTH AND ACCIDENT AND FINAL EXAM AND PRACTICE EXAM WITH ACTUAL CORRECT QUESTIONS AND VERIFIED DETAILED ANSWERS |FREQUENTLY TESTED QUESTIONS AND SOLUTIONS |ALREADY GRADED A+|BRAND NEW VERSION!!! |GUARANTEED PASS|LATEST UPDATE
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NJ HEALTH AND ACCIDENT
Institution
NJ HEALTH AND ACCIDENT
NJ HEALTH AND ACCIDENT AND FINAL
EXAM AND PRACTICE EXAM WITH
ACTUAL CORRECT QUESTIONS AND
VERIFIED DETAILED ANSWERS
|FREQUENTLY TESTED QUESTIONS AND
SOLUTIONS |ALREADY GRADED A+|BRAND
NEW VERSION!!! |GUARANTEED
PASS|LATEST UPDATE
NJ HEALTH AND ACCIDENT AND FINAL
EXAM AND PRACTICE EXAM 2024-2025 WITH
ACTUAL CORRECT QUESTIONS AND
VERIFIED DETAILED ANSWERS
|FREQUENTLY TESTED QUESTIONS AND
SOLUTIONS |ALREADY GRADED A+|BRAND
NEW VERSION!!! |GUARANTEED
PASS|LATEST UPDATE
A state law that requires benefits that began to be paid while a health insurance policy was in force to
continue to be paid after the policy is terminated is known as
a. continuation of benefits
b. extension of benefits
c. COBRA
d. qualified benefits
extension of benefits
All of the following are events that terminate coverage EXCEPT
a. a covered employee quits
b. a covered employee is laid off
c. the employer discontinues the coverage for a certain class of employees
d. a non-disabled dependent child reaches age 25
a non-disabled dependent child reaches age 25
All of the following could be considered dependents except the insured's
a. adopted children
b. 26-year-old child who is disabled
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,c. parents
d. 26-year-old child
26-year-old child
The coordination of benefits provision provides that when a person is covered under more than one
plan the
a. secondary plan pays up to its limits first and then the primary plan pays the rest
b. primary plan pays up to its limits first and then the secondary plan pays the rest
c. primary plan and secondary plan split the cost
d. secondary plan does not have to pay anything
primary plan pays up to its limits first and then the secondary plan pays the rest
When both parents have employer-provided group coverage, which plan would be the primary payer
that their children would be covered under?
a. the mother's plan
b. the father's plan
c. the plan of the parent whose birthday falls closest to the child's birthday
d. the plan of the parent whose birthday falls earliest in the calendar year
the plan of the parent whose birthday falls earliest in the calendar year
Which federal law requires employers with more than 20 employees to include in their group insurance
plan a continuation of benefits provision for all eligible employees?
a. COBRA
b. TEFRA
c. ERISA
d. OBRA
COBRA
the option to elect continuation of benefits after an employee's group plan is terminated expires
a. 90 days after the individual receives notification
b. 45 days after the group plan is terminated
c. 30 days after the individual receives notification
d. 60 days after the individual receives notifcation
60 days after the individual receives notifcation
A lender, or creditor may sponsor a group health insurance plan for its group of debtors. This is known
as
a. association group plans
b. multiple employer welfare arrangements
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,c. group credit disability insurance
d. credit life insurance
group credit disability insurance
A health insurance plan where the employees pay part of the cost and at least 75% of those eligible
must participate in is known as
a. an administrative plan
b. a noncontributory plan
c. a contributory plan
d. an association plan
a contributory plan
An insurer requirement that new employees must wait for a certain period of time before they can
enroll in an employer's group health plan is called a(n)
a. new hire period
b. enrollment period
c. eligibility period
d. probationary period
probationary period
Under COBRA, the maximum period of coverage for termination of employment or a reduction in hours
is
a. 24 months
b. 18 months
c. 36 months
d. 12 months
18 months
A method of establishing the premium of a group based on the group's previous claim experience is
known as
a. premium rating
b. community rating
c. experience rating
d. group rating
experience rating
A dental plan that has benefits limited to specified maximums per procedure with first dollar coverage is
considered to be
a. combined
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, b. nonscheduled
c. predetermined
d. scheduled
scheduled
which of the following dental expense plans covers the removal of wisdom teeth?
a. endodontics
b. restorative
c. oral surgery
d. diagnostic and preventative
oral surgery
all of the following are common exclusions in a dental policy EXCEPT
a. replacement of lost dentures
b. cosmetic treatment such as teeth whitening
c. teeth that are knocked out in an accident
d. oral hygiene instructions and plaque control programs are often limited or excluded
teeth that are knocked out in an accident
the ability of an individual to wait until covered by dental insurance before seeking treatment for dental
issues is an example of
a. adverse insurance
b. improper selection
c. improper insurance
d. adverse selection
adverse selection
a root canal is an example of which of the following types of dental treatment?
a. endodontics
b. oral surgery
c. periodontics
d. restorative
endodontics
Today, most dental plans are offered through
a. HMOs
b. government insurance
c. self-insurance
d. PPOs
4|Page
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