MN Laws, Rules, and Regulations Pertinent to Accident & Health Insurance Only (Quiz)

The Comprehensive Health Association contracts with all of the following entities to provide coverage for their subscribers EXCEPT

Surplus lines insurers

All health insurance plans that reimburse inpatient hospital and medical expenses must provide health service benefits for the treatment of emotionally handicapped children on

The same basis as hospital and medical benefits

An accident and health policy that provides family coverage must provide coverage for newborn children of the insured

from the moment of birth

A LTC policy in MN must include a minimum lifetime benefit of at least

$25,000

Employees covered under a group plan whose employment is terminated or hours reduced so that they no longer qualify for coverage, must be allowed to continue coverage under the group plan for a period of up to

18 months

Health insurance carriers who wish to stop doing business in the small employers market must notify the Commissioner and each small employer how many days in advance

180 days

The relation of earnings to insurance provision allows the insurance company to limit the insured's benefits to his/her average income over the last

24 months

The free-look period for LTC policies sold in MN is

30 days

If a health insurance carrier withdraws from the small employer market, how soon may they reenter that market if they later choose to do so?

5 Years

When a group Medicare Supplement policy is terminated by the policyholder and not replaced, the issuer must offer each certificateholder

An individual policy

Which of the following would NOT be covered under a health insurance policy in MN?

Benefits incurred for an elective, induced abortion

The act of voluntarily giving up insurance by the insured is called

Cancellation

health service benefits for the treatment of emotionally handicapped children must be provided in a residential treatment facility that is licensed by

Commissioner of Human Services

Group health insurance policies must cover maternity benefits

In the same manner as any other illness is covered under this policy

An insured pays her Major Medical Insurance premium annually on March 1st. last March she forgot to mail her premium to the company. On March 19, she had an accident and broke her leg. The insurance company would

Pay the claim

In MN, an HMO must hold a certificate of authority granted by

The commissioner

Which of the following will vary the length of the grace period in health insurance policies?

The mode of the premium payment

Accident and health policies that also cover dependents of the insured, upon the death of the insured, cannot terminate, suspend or restrict coverage on the survivors unless they become covered under another policy or upon

The written request of the survivors

All group policies must cover maternity benefits

the same as any other illness is covered under the policy

After the death of a covered employee, covered dependents may continue coverage under the group health insurance plan unless

they become covered under another group health plan