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
