State exam
Qualifying for Medicare
Which of the following would make a child over the age of 5 INELIGIBLE for Florida Healthy Kids Coverage ?
Chief Financial Officer
Who is in charge of the books and records of insurance companies
The agent
Who is obligated to make sure all questions are answered and all necessary signatures are collected on the application
Entire Contract Provision
The uniform provision law that prevents an insurance company from altering its agreement with a policy holder by referring to documents or other items not contained in the policy is called the :
A reinstated policy provides immediate coverage for an illness
All of the following are correct about the required provisions of health insurance policy EXCEPT
Mental illness
All of the following are excluded from coverage in an individual health insurance policy EXCEPT?
Unfair claims settlement
Failing to acknowledge and act reasonably promptly upon communications with respect to an insurance claim in violation of what insurance regulation?
misrepesentation
Guaranteeing future dividends is considered to be unfair or deceptive known as
3 years
How long must a insurer retain an advertisement for a long-term care policy?
15 days
On individual health insurance polices,an insurer must furnish the claimant forms within how many days
The entire contract clause
The proviso in a health insurance policy that ensures that the insurer cannot refer to any document that is not considered in the contract is
drug addictions
A major medical expense policy would exclude coverage for all of the following treatments EXCEPT?
Family
A husband and wife both incur expenses that are attributed to a single major medical insurance deductible.which type of deductible do they have on there policy ?
Part A deductible
A core Medicare supplement policy(plan A) will cover all of the following expenses EXCEPT
8 days
A disability income policy has a waiting period of 7 days ,if the insured is disabled for 15 days ,how many days of Benifets will the policy pay?
Is renewable at the insured's option to a specified age.
A guaranteed renewable diabality insurance policy
The insurance company will pay the claim according to the benefits available if the correct premium had been paid.
A man is an attorney when he applied for a health policy.he decided to become a professional bungee jumper .he files a claim .what should happen?
An association of 35 people
All of the following could qualify as a group for the purpose if purchasibg health insurance EXCEPT
Supplemental social security coverage
All of the following would be classified as "limited insurance coverage" EXCEPT
The PPO will pay reduced benifets
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?
Eligible to receive full health coverage
An employee had just started working for a small group corporation and works 25 hours per week.the employee is
Mexico
An example of an alien insurer doing business in this state is one formed under the laws of ?
Full Benefits Age (FBA)
An insured is involved in a accident that renders him permanently deaf,although he does not sustain any major injures.The insured is still able to preform his current job.to what extent will he receive presumptive disability benefits?
The capital amount in a lump sum
An insured who has an accidentail death and dismemberment policy loses her left arm in an accident.what type of benifet will she most likely recieve from this policy?
applicant
An insurer is attempting to determine the insurability if an applicant and decided to obtain medical information from several different sources.which of the following must be noticed to the investigation?
Activities other than soliciting HMO contracts from the public and who received no commissions for procuring contracts.
HMO contracts may only be sold by a licensed and appointed health insurance agent for a full-time salaried employee or officer if an HMO who devotes more of his or her services to
All providers will have the same coverage options and conditions for each plan.
I'm reference to a standard Medicare supplement benefits plans,what does the term standard mean ?
Within 10 days of when the policy was delivered
If an insured is not entirely satisfied with a policy issued,the insured may return it ti insurance company and receive a refund of the entire premium paid.at which the following time
The department
If an insurer appoints a customer representative,the appointment needs to be filled in which of the following entities ?
nothing
If one takes social security retirement benifets at age 62,what needs to be done at age 65 to qualify for Medicare?
During which illness-related disabilities are excluded from coverage.
In a disability policy,the probationary period refers to the time
Had been active for 5 years minimum (you only have to be active for 2years)
In order to for an alumni association to be eligible to purchase group health insurance for it's members,all of these statements must be true EXCEPT when the association
40
Joe 63 was disabled and no longer can work.he meets the social security definition of total disability.how many work credits must Joe have accumulated to have a status of fully insured?
A minimum fine of $500 or suspension or revocation of his license.
Joe moved last year and forgot to notify the department of his change of address.he was charged a $250 fine.This year Joe moves again,and again forgets to notify the department within the required time.what will Joe's penalty be?
How much are you able to pay in premiums?
Under the Long-term care marketing regulations,which of the following questions would a producer,NOT have to ask the applicant in order to determine if the purchase is suitable?
1
Under the common accident provision,how many deductibles would be paid if five family members covered under the same major medical policy are injured in the same accident?
All additional provisions written by insurers are categorized by their respective rate.
Which of the following statements is NOT true regarding health insurance policy provisions ?
Diagnostic and preventive care
What is an important feature of dental expense insurance plan that is NOT typically found in a medical expense plan?
Insurance Transaction
Which of the following terms refers to solicitation,negation,effectuation or advising related to a insurance contract?
The insured members are not named
What is the difference between blanket insurance and group health insurance
At the time of policy delivery
What is the latest point at which an outline of coverage may be presented
65
What is the maximum age that a disabled insured worker may receive social security disability benefits
The insurer issuing a policy
Which of the filling entities are considered the principal?
Business profession
Which of the following is NOT an indicator of a comment party
Established guidelines under which the results of genetic tests can be used for underwriting purposes.
Which of the following is NOT part of genetic information and no discrimination act of 2008?
The trust that a client placed in the producer in regained to handling premiums
Which of the following is an example of a producer's fiduciary responsibility?
Immediate care
Which of the following is provided by skilled medical personnel to those who need occasional medical assistance or rehabilitative care?
HMO's can engage in selling in insurance contractsz
Which of the following statements about HMO's in Florida is FALSE?