NC Health Insurance
COBRA applies to employers with at least a)20 employees. b)80 employees. c)60 employees. d)50 employees.
a)20 employees
The benefits for individual disability plans are based on a)A flat amount. b)The employer's net worth. c)The number of employees of the company. d)A percentage of the worker's income.
a)A flat amount.
What is the maximum age for qualifying for a catastrophic plan? a)26 b)30 c)45 d)62
b)30
Under the L&H Guaranty Association, the maximum benefit one contract holder may receive in benefits, regardless of the number of contracts held, is a)$5,000,000 b)$100,000 c)$300,000 d)$1,000,000
a)$5,000,000
Which of the following does the Insuring Clause NOT specify? a)A list of available doctors b)Covered perils c)The insurance company d)The name of the insured
a)A list of available doctors
Which of the following allows the insurer to relieve a minor insured from premium payments if the minor's parents have died or become disabled? a)Payor Benefit b)Jumping Juvenile c)Juvenile Premium Provision d)Waiver of Premium
a)Payor Benefit
An employee becomes insured under a PPO plan provided by his employer. If the insured decides to go to a physician who is not a PPO provider, which of the following will happen? a)The PPO will pay reduced benefits. b)The PPO will not pay any benefits at all. c)The insured will be required to pay a higher deductible. d)The PPO will pay the same benefits as if the insured had seen a PPO physician.
a)The PPO will pay reduced benefits.
The HMO Act of 1973 required employers to offer an HMO plan as an alternative to regular health plans if the company had more than 25 employees. How has this plan since changed? a)The minimum number of employees has increased. b)Employers are no longer forced to offer HMO plans. c)The source of funding has changed. d)The minimum number of employees has decreased.
b) Employers are no longer forced to offer HMO plans.
An employee becomes insured under a PPO plan provided by his employer. If the insured decides to go to a physician who is not a PPO provider, which of the following will happen? a)The PPO will pay the same benefits as if the insured had seen a PPO physician. b)The PPO will pay reduced benefits. c)The PPO will not pay any benefits at all. d)The insured will be required to pay a higher deductible.
b)The PPO will pay reduced benefits.
Which of the following best describes the "first-dollar coverage" principle in basic medical insurance? a)Deductibles and coinsurance are taxed first. b)The insured is not required to pay a deductible. c)The insured must first pay a deductible. d)The insurer covers the first claim on the policy.
b)The insured is not required to pay a deductible.
The required privacy disclosure notice must be provided by insurer to current policyholders at least once in any period of a)3 months b)6 months. c)12 months. d)24 months.
c)12 months.
Under the uniform required provisions, proof of loss under a health insurance policy normally should be filed within a)30 days of a loss. b)60 days of a loss. c)90 days of a loss. d)20 days of a loss.
c)90 days of a loss.
Which of the following individuals will be eligible for coverage on the Health Insurance Marketplace? a)A U.S. citizen who is incarcerated b)A U.S. citizen living abroad c)A permanent resident lawfully present in the U.S. d)Someone who has Medicare coverage
c)A permanent resident lawfully present in the U.S.
All of the following statements concerning workers compensation are correct EXCEPT a)All states have workers compensation .b)Benefits include medical, disability income, and rehabilitation coverage. c)A worker receives benefits only if the work related injury was not his/her fault. d)Workers compensation laws are established by each state.
c)A worker receives benefits only if the work related injury was not his/her fault.
All of the following are requirements of eligibility for Social Security disability income benefits EXCEPT a)Fully insured status. b)Waiting period of 5 months. c)Being age 65. d)Inability to perform any gainful work
c)Being age 65.
The provision in a health insurance policy that ensures that the insurer cannot refer to any document that is not contained in the contract is the a)Incontestability clause. b)Legal action against us clause. c)Entire contract clause. d)Time limit on certain defenses clause.
c)Entire contract clause.
With respect to the Consideration Clause, which of the following would be considered consideration on the part of the applicant for insurance? a)Providing warranties on the application b)Notice of policy cancellation c)Payment of premium d)Promise to renew the policy at the end of the policy period
c)Payment of premium
According to the PPACA metal levels classification, if a health plan is expected to cover 90% of the cost for an average population, and the participants would cover the remaining 10%, what type of plan is that? a)Silver b)Gold c)Platinum d)Bronze
c)Platinum
When an insurer combines two periods of disability into one, the insured must have suffered a a)Residual disability. b)Presumptive disability. c)Recurrent disability. d)Partial disability.
c)Recurrent disability.
In comparison to consumer reports, which of the following describes a unique characteristic of investigative consumer reports? a)They provide information about a customer's character and reputation. b)The customer has no knowledge of this action. c)The customer's associates, friends, and neighbors provide the report's data. d)They provide additional information from an outside source about a particular risk.
c)The customer's associates, friends, and neighbors provide the report's data
An insured submitted a notice of claim to the insurer, but never received claims forms. He later submits proof of loss, and explains the nature and extent of loss in a hand-written letter to the insurer. Which of the following would be true? a)The insurer will be fined for not providing the claims forms. b)The insured must submit proof of loss to the Department of Insurance. c)The insured was in compliance with the policy requirements regarding claims. d)The claim most likely will not be paid since the official claims form was not submitted.
c)The insured was in compliance with the policy requirements regarding claims.
Under a health insurance policy, benefits, other than death benefits, that have not otherwise been assigned, will be paid to a)Beneficiary of the death benefit. b)The spouse of the insured. c)The insured. d)Creditors.
c)The insured.
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 a)6 months. b)12 months. c)18 months. d)24 months.
d)24 months.
In the event a policy lapses due to nonpayment of premium, within how many days would the policy be automatically reinstated once the outstanding premium is paid? a)10 days b)25 days c)30 days d)45 days
d)45 days
Which of the following acts would be grounds for a person's license suspension, revocation, or refusal to renew? a)An agent unknowingly misrepresents the terms of an insurance contract. b)An agent refuses to offer an explanation to a policyholder concerning the coverage provided by another insurer. c)A broker does not return a client's calls on timely basis. d)An agent fails to pay state income tax.
d)An agent fails to pay state income tax.
If a licensee is convicted of a criminal violation, the licensee's insurance license is a)Automatically revoked. b)Not affected. c)Suspended after a hearing. d)Automatically suspended.
d)Automatically suspended.
The proposed insured makes the premium payment on a new insurance policy. If the insured should die, the insurer will pay the death benefit to the beneficiary if the policy is approved. This is an example of what kind of contract? a)Adhesion b)Personal c)Unilateral d)Conditional
d)Conditional
An applicant for an individual health policy failed to complete the application properly. Before being able to complete the application and pay the initial premium, she is confined to a hospital. This will not be covered by insurance because she has not met the conditions specified in the a)Insuring Clause. b)Pre-existing Conditions Clause. c)Eligibility Clause. d)Consideration Clause.
d)Consideration Clause.
If an insured changes his payment plan from monthly to annually, what happens to the total premium? a)Stays the same b)Doubles c)Increases d)Decreases
d)Decreases
Which of the following is considered a qualifying event under COBRA? a)Marriage b)Relocation c)Promotion d)Divorce
d)Divorce
In a disability policy, the probationary period refers to the time a)Between the first day of disability and the day the disability must continue before the insured receives any benefits. b)Between the 10th day of an illness-related disability and the first payment. c)Between the first day of disability and the actual receipt of payment for the disability incurred. d)During which illness-related disabilities are excluded from coverage.
d)During which illness-related disabilities are excluded from coverage.
If an insured is not required to pay a deductible, what kind of coverage does he/she have? a)Corridor b)Major medical c)Comprehensive d)First dollar
d)First dollar
Which of the following special policies covers unusual risks that are NOT normally included under Accidental Death and Dismemberment coverage? a)Limited Risk Policy b)Specified Disease Policy c)Credit Disability d)Special Risk Policy
d)Special Risk Policy
An insured who has an Accidental Death and Dismemberment policy loses her left arm in an accident. What type of benefit will she most likely receive from this policy? a)The principal amount in a lump sum b)The capital amount in monthly installments c)The principal amount in monthly installments d)The capital amount in a lump sum
d)The capital amount in a lump sum
The period of time immediately following a disability during which benefits are not payable is a)The probationary period. b)The grace period. c)The blackout period. d)The elimination period.
d)The elimination period.
When employees are actively at work on the date coverage can be transferred to another insurance carrier, what happens to coinsurance and deductibles? a)They have to be re-evaluated. b)Coinsurance carries over, but deductibles are generally higher. c)Deductibles carry over, but coinsurance is generally higher. d)They carry over from the old plan to the new plan.
d)They carry over from the old plan to the new plan.
Which of the following is NOT true regarding partial disability? a)The insured can still report to work and receive benefits. b)Benefit payments are typically 50% of the total disability benefit. c)An insured would qualify if he couldn't perform some of his normal job duties. d)This is a form of insurance that covers part-time workers.
d)This is a form of insurance that covers part-time workers.
An insured notifies the insurance company that he has become disabled. What provision states that claims must be paid immediately upon written proof of loss? a)Incontestability b)Physical Exam and Autopsy c)Legal Actions d)Time of Payment of Claims
d)Time of Payment of Claims
The rider in a whole life policy that allows the company to forgo collecting the premium if the insured is disabled is called a)Guaranteed insurability. b)Waiver of cost of insurance. c)Payor benefit. d)Waiver of premium.
d)Waiver of premium.
Which of the following statements regarding Business Overhead Expense policies is NOT true? a)Benefits are usually limited to six months. b)Premiums paid for BOE are tax-deductible. c)Any benefits received are taxable to the business. d)Leased equipment expenses are covered by the plan.
a)Benefits are usually limited to six months.
Within how many days of requesting an investigative consumer report must an insurer notify the consumer in writing that the report will be obtained? a)3 days b)5 days c)10 days d)14 days
a) 3 days
Which of the following is true regarding inpatient hospital care for HMO members? a)Care can be provided outside of the service area. b)Care can only be provided in the service area. c)Services for treatment of mental disorders are unlimited. d)Inpatient hospital care is not part of HMO services.
a)Care can be provided outside of the service area.
Which of the following would allow the spouse of an insured under a group health policy to continue receiving coverage after the spouse and insured divorce? a)Conversion provision b)Reinstatement provision c)Guaranteed issue provision d)Nonforfeiture provision
a)Conversion provision
What is the goal of the HMO? a)Early detection through regular checkups b)Providing free health services c)Limiting the deductibles and coinsurance to reduce costs d)Providing health services close to home
a)Early detection through regular checkups
What is the initial period of time specified in a disability income policy that must pass, after the policy is in force, before a loss can be covered? a)Probationary period b)Contestable period c)Elimination period d)Grace period
a)Probationary period
An agent offers his client free tickets to a sporting event in exchange for the purchase of an insurance policy. The agent is guilty of a)Rebating. b)Coercion. c)Twisting. d)Controlled business.
a)Rebating.
Any inducement offered to the insured in the sale of an insurance policy that is not specified in the policy is an unlawful practice known as a)Rebating. b)Twisting. c)False advertising. d)Coercion.
a)Rebating.
The regulation of the insurance industry primarily rests with a)The State. b)The NAIC. c)Private insurers. d)The federal government.
a)The State.
A husband and wife are insured under group health insurance plans at their own places of employment, and as dependents under their spouse's coverage. If one of them incurs hospital expenses, how will those expenses likely be paid? a)The benefits will be coordinated. b)Neither plan would pay. c)Each plan will pay in equal shares. d)The insured will have to select a plan from which to collect benefits.
a)The benefits will be coordinated.
In forming an insurance contract, when does acceptance usually occur? a)When an insurer's underwriter approves coverage b)When an insurer delivers the policy c)When an insurer receives an application d)When an insured submits an application
a)When an insurer's underwriter approves coverage
Which of the following provides coverage on a first-dollar basis? a)Limited major medical b)Basic expense c)Accident expense d)Supplementary major medical
b)Basic expense
Which of the following entities has the authority to make changes to an insurance policy? a)Producer b)Insurer's executive officer c)Department of Insurance d)Broker
b)Insurer's executive officer
Which of the following best describes a misrepresentation? a)Discriminating among individuals of the same insuring class b)Issuing sales material with exaggerated statements about policy benefits c)Making a deceptive or untrue statement about a person engaged in the insurance business d)Making a maliciously critical statement that is intended to injure another person
b)Issuing sales material with exaggerated statements about policy benefits
Under the Affordable Care Act, which classification applies to health plans based on the amount of covered costs? a)Risk classification b)Metal level classification c)Guaranteed and nonguaranteed d)Grandfathered and nongrandfathered
b)Metal level classification
An insured has health insurance that covers them at work and at home. This policy was written on what basis? a)Extended b)Occupational c)Nonoccupational d)Short-term
b)Occupational
Which of the following are the main factors taken into account when calculating residual disability benefits? a)Present earnings and standard cost of living b)Present earnings and earnings prior to disability c)Earnings prior to disability and the length of disability d)Employee's full-time status and length of disability
b)Present earnings and earnings prior to disability
Which of the following is correct regarding selecting a primary care physician in a PPO plan? a)Out-of-network providers may be used for an additional premium. b)The insured may choose medical providers not found on the preferred list. c)An insured must receive pre-certification prior to visiting a preferred provider. d)Insureds typically pay lower out-of-pocket costs for out-of-network providers.
b)The insured may choose medical providers not found on the preferred list.
How can a new physician be added to the PPO's approved list? a)Pay an annual fee for being on the PPO list. b)New physicians are only added once a year, and are selected by the PPO's Board of Directors. c)Agree to follow the PPO standards and charge the appropriate fees. d)Fill out the appropriate paperwork and wait the 12 month pre-certification period.
c)Agree to follow the PPO standards and charge the appropriate fees.
A small hardware store owner is involved in a car accident that renders him totally disabled for half a year. Which type of insurance would help him pay for expenses of the company during the time of his disability? a)Disability buy-sell agreement b)Business disability policy c)Business overhead expense policy d)Key person insurance
c)Business overhead expense policy
Which of the following provisions requires that any policy language that is in conflict with the state statutes of the state in which the insured resides is automatically amended to conform with those of the state of residence? a)Insurance with Other Insurers b)Legal actions c)Conformity with State Statutes d)Incontestability
c)Conformity with State Statutes
Which of the following is NOT a characteristic or a service of an HMO plan? a)Encouraging early treatment b)Providing care on an outpatient basis c)Contracting with insurance companies d)Providing free annual checkups
c)Contracting with insurance companies
Which of the following is NOT covered by Health Maintenance Organizations (HMOs)? a)Routine physicals b)Well-baby care c)Elective services d)Immunizations
c)Elective services
How is the amount of Social Security disability benefits calculated? a)It is based on age, number of quarters worked in the last 25 years (minimum of 80) and the number of health claims made during that period of time. b)It is based on age, number of quarters worked in the last 20 years (minimum of 60) and the number of health claims made during that period of time. c)It is based upon the worker's Primary Insurance Amount (PIA), which is calculated from their Average Indexed Monthly Earnings over their highest 35 years. d)It is based upon the worker's Primary Insurance Amount (PIA), which is calculated from their Average Indexed Monthly Earnings over their highest 30 years.
c)It is based upon the worker's Primary Insurance Amount (PIA), which is calculated from their Average Indexed Monthly Earnings over their highest 35 years.
An applicant for a health insurance policy returns a completed application to her agent, along with a check for the first premium. She receives a conditional receipt two weeks later. Which of the following has the insurer done by this point? a)Approved the application b)Issued the policy c)Neither approved the application nor issued the policy d)Both approved the application and issued the policy
c)Neither approved the application nor issued the policy
An agent is completing an application of insurance for a client. The agent is required to provide the client e a "notice of information practices" at all of the following times EXCEPT a)At the time of policy delivery. b)When personal information is collected from another source other than the applicants. c)No notice is ever required at the initial completion of the application. d)At the policy renewal date.
c)No notice is ever required at the initial completion of the application.
Which of the following is NOT a feature of a guaranteed renewable provision? a)Coverage is not renewable beyond the insured's age 65. b)The insured's benefits cannot be reduced. c)The insurer can increase the policy premium on an individual basis. d)The insured has a unilateral right to renew the policy for the life of the contract.
c)The insurer can increase the policy premium on an individual basis.
The insuring clause of a disability policy usually states all of the following EXCEPT a)That insurance against loss is provided. b)The types of losses covered. c)The method of premium payment. d)The identities of the insurance company and the insured.
c)The method of premium payment.
Which of the following will vary the length of the grace period in health insurance policies? a)The length of time the insured has been insured b)The term of the policy c)The mode of the premium payment d)The length of any elimination period
c)The mode of the premium payment
An insured owes his insurer a premium payment. Since then, he incurs medical expenses. The insurer deducts the unpaid premium amount from the claim amount and pays the insured the difference. What provision allows for this? a)Proof of loss b)Payment of claims c)Unpaid premium d)Legal action
c)Unpaid premium
An insured has medical insurance coverage through 2 different providers, both covering the same expenses on an expense-incurred basis. Neither company knows in advance that the insured has coverage through any other insurers. The insured submits a claim to both insurers. How should the claim be handled? a)One of the insurers will pay fully, while the other will not pay any benefits. b)Once the insurers discover the duplicate coverage, the policies would most likely be cancelled, and no claim paid. c)The insured should receive full benefits from each insurer. d)Each insurer should pay a proportionate share of the claim.
d)Each insurer should pay a proportionate share of the claim.
Which statement accurately describes group disability income insurance? a)In long-term plans, monthly benefits are limited to 75% of the insured's income. b)There are no participation requirements for employees. c)Short-term plans provide benefits for up to 1 year. d)The extent of benefits is determined by the insured's income.
d)The extent of benefits is determined by the insured's income.
A father owns a life insurance policy on his 15-year-old daughter. The policy contains the optional Payor Benefit rider. If the father becomes disabled, what will happen to the life insurance premiums? a)The premiums will become tax deductible until the insured's 18th birthday. b)Since it is the policyowner, and not the insured, who has become disabled, the life insurance policy will not be affected. c)The insured will have to pay premiums for 6 months. If at the end of this period the father is still disabled, the insured will be refunded the premiums. d)The insured's premiums will be waived until she is 21.
d)The insured's premiums will be waived until she is 21.
When Linda suffered a broken hip, she notified her agent, in writing, within 12 days of the loss. However, her agent did not notify the insurance company until 60 days after the loss. Which of the following statements correctly explains how this claim would be handled? a)The insurer may delay the payment of this claim for up to 6 months. b)The insurer may settle this claim for less than it otherwise would have had the notification been provided in a timely manner. c)The insurer may deny the claim since it was not notified within the required 20-day time frame. d)The insurer is considered to be notified since the notification to agent equals notification to the insurer.
d)The insurer is considered to be notified since the notification to agent equals notification to the insurer.
In which type of HMO model are physicians actually paid employees of the HMO, practicing in the HMO's own facility? a)Staff b)Group c)Contained d)Network
a)Staff
A brain surgeon has an accident and develops tremors in her right arm. Which disability income policy definition of total disability will cover her for all losses? a)"Any occupation" - more restrictive than other definitions b)"Own occupation" - less restrictive than other definitions c)"Own occupation" - more restrictive than other definitions d)"Any occupation" - less restrictive than other definitions
b)"Own occupation" - less restrictive than other definitions
Which of the following disability income policies would have the highest premium? a)15-day waiting period / 5-year benefit period b)15-day waiting period / 10-year benefit period c)30-day waiting period / 10-year benefit period d)30-day waiting period / 5-year benefit period
b)15-day waiting period / 10-year benefit period
A hospital indemnity policy will pay a)Any expenses incurred by the stay in the hospital, minus coinsurance payments and deductibles. b)A benefit for each day the insured is in a hospital. c)Income lost while the insured is in the hospital. d)All expenses incurred by the stay in the hospital.
b)A benefit for each day the insured is in a hospital.
Disability income coverage specifies that the policy covers the insured if he is unable to perform any job for which he is qualified. In this case, total disability is defined as a)Own occupation - less restrictive than other definitions. b)Any occupation - more restrictive than other definitions. c)Any occupation - less restrictive than other definitions. d)Own occupation - more restrictive than other definitions.
b)Any occupation - more restrictive than other definitions. If total disability is defined as any occupation, it means the coverage will apply only if the insured cannot find any means of income whatsoever. This is more strict than own occupation, where a person merely has to prove that they cannot perform the job for which they were previously trained
All of the following apply to short-term disability plans EXCEPT a)A benefit period of 26 weeks is most common for group plans. b)Both group and individual plans are renewable. c)Group plans can provide benefit periods of up to 52 weeks. d)Individual plans can provide benefit periods of up to 2 years.
b)Both group and individual plans are renewable.
In a basic expense policy, after the limits of the basic policy are exhausted, the insured must pay what kind of deductible? a)Half b)None c)Corridor d)Full
c)Corridor
Which characteristic does NOT describe managed care? a)Shared risk b)Preventive care' c)Unlimited access to providers d)High-quality care
c)Unlimited access to providers
Which of the following is not true of Disability Buy-Sell coverage? a)It is typically written to cover partners or corporate officers of a closely held business. b)Premium payments are not deductible to the business. c)The policies provide funds for the business organization to purchase the business interest of a disabled partner. d)Benefits are considered taxable income to the business.
d) Benefits are considered taxable income to the business.
Todd has been informed that he has a hernia which requires repair. When Todd researches the cost, he learns that his insurance plan will cover 200 points worth of surgical expenses. Each point represents $10, which means that $2000 of his surgery will be covered by his insurance plan. What system is Todd's insurance company using? a)Basic Surgical b)Point-based medical c)Conversion factor d)Relative value
d)Relative value
Who makes up the Medical Information Bureau? a)Hospitals b)Former insured c)Physicians and paramedics d)Insurers
d)Insurers
An insured is hospitalized with a back injury. Upon checking his disability income policy, he learns that he will not be eligible for benefits for at least 30 days. This would indicate that his policy was written with a 30-day a)Elimination period. b)Blackout period. c)Probationary period. d)Disability period.
a)Elimination period.
ow soon must a newborn child of an insured be covered under an individual or group health insurance plan? a)From the moment of birth b)Within 7 days c)After 30 days d)Within 60 days
a)From the moment of birth
Which type of a hospital policy pays a fixed amount each day that the insured is in a hospital? a)Indemnity b)Surgical c)Blanket d)Medigap
a)Indemnity
An insured 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
How is emergency care covered for a member of an HMO? a)An HMO emergency specialist will cover the patient. b)A member of an HMO can receive care in or out of the HMO service area, but care is preferred in the service area .c)A member of an HMO may receive care at any emergency facility, at the same cost as if in his or her own service area. d)HMOs have salaried member physicians, but they do not cover emergency care.
b)A member of an HMO can receive care in or out of the HMO service area, but care is preferred in the service area
Which of the following would be required in order to obtain a duplicate license due to a loss of the original one? a)A payment of a fine doubles the amount of the original application fee b)A written request to the Commissioner and payment of fees c)A written examination and payment of fees d)A request to the appointing insurer
b)A written request to the Commissioner and payment of fees
If the insured under a disability income insurance policy changes to a more hazardous occupation after the policy has been issued, and a claim is filed, the insurance company should do which of the following? a)Exclude coverage for on-the-job injury b)Adjust the benefit in accordance with the increased risk c)Cancel the policy d)Increase the premium
b)Adjust the benefit in accordance with the increased risk
Which of the following must an insurer obtain in order to transact insurance within a given state? a)Business entity license b)Insurer's license c)Certificate of authority d)Producer's certificate
c)Certificate of authority
What is the elimination period for Social Security disability benefits? a)6 months b)12 months c)3 months d)5 months
d)5 months
The gatekeeper of an HMO helps a)Determine who will be allowed to enroll in an HMO program. b)Prevent double coverage. c)Determine which doctors can participate in an HMO plan. d)Control specialist costs.
d)Control specialist costs.
In disability income insurance, the time between the onset of an injury or sickness and when benefits begin is known as the a)Qualification period. b)Enrollment period. c)Probationary period. d)Elimination period.
d)Elimination period.
Which of the following applies to partial disability benefits? a)An insured is entitled to a principal sum benefit for the partial loss of a limb. b)Payment is based on termination of employment. c)Benefits are reduced once an insured is no longer under a doctor's care. d)Payment is limited to a certain period of time.
d)Payment is limited to a certain period of time.
Which of the following is NOT provided by an HMO? a)Services b)Financing c)Patient care d)Reimbursement
d)Reimbursement
Under which of the following employer-provided plans are the benefits taxable to an employee in proportion to the amount of premium paid by the employer? a)Basic Medical Expense b)Disability Income c)Major Medical d)Dental Expense
b)Disability Income
A waiver of premium provision may be included with which kind of health insurance policy? a)Dread disease b)Disability income c)Basic medical d)Hospital indemnity
b)Disability income
The Patient Protection and Affordable Care Act includes all of the following provisions EXCEPT a)Coverage for preventive benefits. b)Individual tax deduction for premiums paid. c)Right to appeal. d)No lifetime dollar limits.
b)Individual tax deduction for premiums paid.
