Ch. 18 Exam Questions (Health) - Health Insurance Underwriting

An attending physician's statement is best described as

A summary of medical history from the physician listed on the application

What is a Pap test design to detect

Cervical cancer

What does a Mandatory Second Surgical Opinion provision provide to an employer-paid health insurance plan?

Containment of the employer's premium cost

In what situation would disability income insurance premiums be a deductible expense?

Corporation paying for group disability income coverage for its employees

When the disclosures of an insured's nonpublic information is involved, what is the insurer obligated to do?

Give notice, explain, and allow opting out

A health insurance underwriter will most likely view alcohol abuse as a(n)

Increased exposure to risk

After a health insurance application has been originated, the producer normally

Is the major personal contact to the insured

Which of the following statements regarding hospital pre-admission authorization is NOT true?

It encourages weekend admission

The initial premium for an accident and health insurance policy is typically paid in what way?

It is typically obtained by the agent and forwarded to the insurer

All of these are duties that a producer may be required to perform when delivering an insurance policy EXCEPT

Leave a conditional receipt with client

Which statement is true regarding hospital preadmission certification for emergency situations?

Notification is required to be given after insured is admitted to the hospital

Julie is an employee with a group health plan that contains the Mandatory Second Surgical Opinion provision. What is to be expected with this provision in place?

Out-of-pocket expenses are lower when a second surgical opinion is obtained as opposed to having only one

Which of these plans allow a participant to choose either a network or non-network provider at the time when medical care is needed?

Point-of-service

Which of the following is NOT a basic underwriting action for accident and health insurance?

Removing uniform policy provisions

When a health insurance policy includes a Mandatory Second Surgical Opinion provision, the insured must

Seek a second opinion for specified elective surgeries

In accident and health insurance, field underwriting is very important because of

The risk of moral hazard

When does the producer give a premium receipt for an accident and health insurance application?

When the initial premium has been collected with the application