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Question 1 of 10
1. Question
The type of policy covering doctor visits while the insured is in the hospital is
Correct
This is an example of a basic medical expense coverage. Basic medical expense coverage is a type of policy that covers doctor visits while the insured is in the hospital.
Incorrect
This is an example of a basic medical expense coverage. Basic medical expense coverage is a type of policy that covers doctor visits while the insured is in the hospital.
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Question 2 of 10
2. Question
The benefits of Maternity must be provided on the same basis as nonmaternity benefits.
Correct
This is a requirement in most states. If the policy covers an employee group of 15 or more people, then maternity benefits must be provided on the same basis as nonmaternity benefits.
Incorrect
This is a requirement in most states. If the policy covers an employee group of 15 or more people, then maternity benefits must be provided on the same basis as nonmaternity benefits.
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Question 3 of 10
3. Question
Between individual policies that include coverage for mental infirmities, the benefit will normally be
Correct
Many policies place limitations on the treatment of mental illness, including lower limits. So, the benefit will normally be lower than the benefit of physical infirmities.
Incorrect
Many policies place limitations on the treatment of mental illness, including lower limits. So, the benefit will normally be lower than the benefit of physical infirmities.
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Question 4 of 10
4. Question
A deduction that runs between a basic policy’s first dollar coverage and the comprehensive coverage of a supplemental policy is known as a
Correct
This is an example of a corridor deductible. A deduction that runs between a basic policy’s first dollar coverage and the comprehensive coverage of a supplemental policy is known as a Corridor deductible.
Incorrect
This is an example of a corridor deductible. A deduction that runs between a basic policy’s first dollar coverage and the comprehensive coverage of a supplemental policy is known as a Corridor deductible.
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Question 5 of 10
5. Question
Which one of the following would most probably be covered under a medical expense policy?
Correct
This type of accident is almost always covered. The other answer choices reflect situations for which coverage may be limited or excluded.
Incorrect
This type of accident is almost always covered. The other answer choices reflect situations for which coverage may be limited or excluded.
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Question 6 of 10
6. Question
Which of the following a comprehensive dental policy generally pays For nonroutine treatments?
Correct
This is typically how the policy operates. A comprehensive dental policy generally pays a percentage of the reasonable and customary charges after a deductible; For non-routine treatment.
Incorrect
This is typically how the policy operates. A comprehensive dental policy generally pays a percentage of the reasonable and customary charges after a deductible; For non-routine treatment.
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Question 7 of 10
7. Question
All of the following is generally needed to cover in vision care insurance except
Correct
Vision care insurance covers routine examinations and maintenance. Accidental injuries are covered by regular forms of health insurance.
Incorrect
Vision care insurance covers routine examinations and maintenance. Accidental injuries are covered by regular forms of health insurance.
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Question 8 of 10
8. Question
Generally, the amount of coverage available under a credit insurance policy is restricted to
Correct
By law, the amount of insurance at any given time may not exceed the outstanding debt. The amount of coverage available under a credit insurance policy is restricted to the total amount of indebtedness at any given point.
Incorrect
By law, the amount of insurance at any given time may not exceed the outstanding debt. The amount of coverage available under a credit insurance policy is restricted to the total amount of indebtedness at any given point.
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Question 9 of 10
9. Question
The creditor should notify the debtor that he or she might be covered by the group insurance plan
Correct
This is true even if the creditor pays all of the premiums. The creditor should notify the debtor that they might be covered by the group insurance plan even if the creditor pays the full cost of the coverage.
Incorrect
This is true even if the creditor pays all of the premiums. The creditor should notify the debtor that they might be covered by the group insurance plan even if the creditor pays the full cost of the coverage.
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Question 10 of 10
10. Question
Which one of the following 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.