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Question 1 of 10
1. Question
Which of the following is not generally included in Prescription drug policies?
Correct
Experimental drugs are typically excluded from Prescription drug policies.
Incorrect
Experimental drugs are typically excluded from Prescription drug policies.
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Question 2 of 10
2. Question
Which of the following is covered by Credit health insurance?
Correct
Credit health insurance covers the debtor, although the benefits are paid to the creditor.
Incorrect
Credit health insurance covers the debtor, although the benefits are paid to the creditor.
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Question 3 of 10
3. Question
The coverage amount available under a credit insurance policy is typically limited to
Correct
By law, the amount of insurance at any given time may not exceed the outstanding debt.
Incorrect
By law, the amount of insurance at any given time may not exceed the outstanding debt.
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Question 4 of 10
4. Question
The creditor must notify the debtor that the group insurance plan may cover him or her
Correct
This is true even if the creditor pays all premiums. The creditor must notify the debtor that the group insurance plan may cover him or her even if the creditor pays the coverage’s full cost.
Incorrect
This is true even if the creditor pays all premiums. The creditor must notify the debtor that the group insurance plan may cover him or her even if the creditor pays the coverage’s full cost.
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Question 5 of 10
5. Question
Which one of the following is not part of the qualification procedure for legal dependency?
Correct
Dependency may be proved by family relationship, residence in the home, or qualification dependent on the insured’s tax returns.
Incorrect
Dependency may be proved by family relationship, residence in the home, or qualification dependent on the insured’s tax returns.
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Question 6 of 10
6. Question
Which of the following the primary company pays under the coordination of benefits rule?
Correct
Under the coordination of benefits rule, the primary policy will pay for no other coverage.
Incorrect
Under the coordination of benefits rule, the primary policy will pay for no other coverage.
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Question 7 of 10
7. Question
Bob enrolls in group insurance when he is eligible under his employer’s plan. Because of an administrative error, his enrollment form is never sent to the company. When he later has a claim, the insurer will
Correct
Administrative errors will not negate a claim. When he later claims, the insurer will accept the enrollment form and all of the past-due premium and pay the medical claim.
Incorrect
Administrative errors will not negate a claim. When he later claims, the insurer will accept the enrollment form and all of the past-due premium and pay the medical claim.
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Question 8 of 10
8. Question
Which of the following federal law requires employers with more than 20 employees to include a continuation of benefits provided for all eligible employees in their group insurance plan?
Correct
COBRA is the law that makes a continuation of benefits available. COBRA requires employers with more than 20 employees to include a continuation of benefits provided for all eligible employees in their group insurance plan.
Incorrect
COBRA is the law that makes a continuation of benefits available. COBRA requires employers with more than 20 employees to include a continuation of benefits provided for all eligible employees in their group insurance plan.
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Question 9 of 10
9. Question
All of the following provisions are part of HIPAA except
Correct
HIPAA does not alter limits for mental health benefits.
Incorrect
HIPAA does not alter limits for mental health benefits.
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Question 10 of 10
10. Question
Which of the following event is considered a disqualifying event under COBRA?
Correct
If the employer terminates all group coverages, there are no remaining rights under COBRA. If the employer ceases to maintain any group health plan, it is considered a disqualifying event under COBRA.
Incorrect
If the employer terminates all group coverages, there are no remaining rights under COBRA. If the employer ceases to maintain any group health plan, it is considered a disqualifying event under COBRA.