-
4: All of the following are
differences between individual and group health insurance EXCEPT
a Individual insurance does not require
medical examinations, while group insurance does require medical examinations.
b In individual policies, the
individual selects coverage options, while in a group plan all employees are
covered for the same coverage which is chosen by the employer.
c Individual coverage can be written
on an occupational or nonoccupational basis; group plans cover only
nonoccupational.
d Individual policies are renewable
at the option of the insured, while group usually terminates when the
individual leaves the group.
- a Individual insurance does not require
- medical examinations, while group insurance does require medical examinations.
-
5: Under HIPAA, how many months of
creditable coverage must a new employee have earned to not have a pre-existing
condition exclusion in the new plan?
a 3 months
b 6 months
c 12 months
d 18 months
c 12 months
-
7: Under HIPAA, group health plans
cannot impose more than a 12 month pre-existing conditions exclusion for a
person who sought medical advice, treatment, or diagnosis within the last
a 6 months.
b 12 months.
c 30 days.
d 3 months.
a 6 months.
-
9: What type of care is provided in
LTC's intermediate care?
a Non-medical daily care
b Daily care, but not nursing care
c Intensive care
d Around-the-clock care
d Around-the-clock care
-
11: What would an Accidental Death
and Dismemberment (AD&D) policy pay the principal amount for, other than
accidental death?
a Loss of 1 hand
b The loss of 2 or more limbs
c The loss sight in 1 eye
d Loss of hearing
b The loss of 2 or more limbs
-
15: A policy which covers medical
costs related to a specific condition is called a
a Condition-Specific Policy.
b Specific Condition Policy.
c Limited Coverage Policy.
d Dread Disease Policy.
d Dread Disease Policy.
-
Garrett is involved in a car
accident. In addition to general, less serious injuries, he permanently loses
the use of his leg and is rendered completely blind. The blindness improves a
month later. To what extent will he receive Presumptive Disability benefits?
A No benefits
B Full benefits
C Partial benefits
D Full benefits until the blindness
lifts
A No benefits
- Incorrect! Presumptive Disability
- plans offer full benefits for specified conditions. These policies typically
- require the loss of use of at least two limbs, total and permanent blindness,
- or loss of speech or hearing. Benefits are paid, even if the insured is able to
- work. Because Garrett's blindness was only temporary and the loss of use in
- only 1 leg, he does not qualify for presumptive disability benefits.
-
In comparison to a policy that uses
the accidental means definition, a policy that uses the accidental bodily
injury definition would provide a coverage that is
A Broader in duration.
B Broader in general.
C More limited in general.
D More limited in duration.
B Broader in general.
- Incorrect! A policy that uses the
- accidental bodily injury definition will provide broader coverage than a policy
- that uses the accidental means definition.
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