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Health Final Exam - NJ Accident and Health Exam/125 Questions and Answers
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Health Final Exam - NJ Accident and Health Exam/125 Questions and Answers
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Health Final Exam - NJ Accident andHealth Exam/125 Questions and Answers
The Commissioner must approve - -Continuing education courses
-Employer sponsored group health insurance provides coverage for which of
the following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - -alcoholism
-A Medicare supplement policy can be cancelled by the insurer for - -
Nonpayment
-Which entity is responsible for regulating insurance advertising in NJ? - -
New Jersey Department of Banking and Insurance
-Which of the following are retained at the expense of an insurance buyer to
give advice on insurance needed by the buyer?
Brokers and consultants
Insurance prospectors
Third-party adminstrators
Agents - -Brokers and consultants
-Written notice for a health claim must be given to the insurer ___ days after
the occurrence of the loss. - -20
-In which of the following situations would the insurer be liable for a loss?
a) The insured skipped a payment beyond the 31 day grace period
b) The insured was injured while participating in an illegal occupation
c) The insured was given a notice of cancellation from the insurer
d) The insured suffered an injury as an innocent bystander during a bank
robbery - -d) The insured suffered an injury as an innocent bystander during
a bank robbery
-When a Medicare supplement policy is purchased during the open
enrollment period - -The policy must be issued regardless of health status
-In what form do disability income policies typically pay benefits? - -Periodic
income
, -What is considered to be the primary reason for buying life insurance? - -
Provide death benefits
-A newborn is required to be covered for ____ days from the moment of birth
- -30
-Once an accident and health insurance policy has been in force for ___
year(s), the policy may NOT be contested by the insurer - -2
-A doctor who accepts Medicare assignment agrees to which of the following
- Doctor may charge up to a maximum of 15% more than Medicare pays for
the service
- Doctor is not bound by Medicare's limitations on charges
- Doctor cannot charge more than Medicare's scheduled coverage
- Doctor bills the Medicare beneficiary directly for services performed - -
Doctor cannot charge more than Medicare's scheduled coverage
-What is issued to each employee with an employer health plan? - -
Certificate
-What is the tax liability for employer contributions in Health Savings
Accounts (HSA's)? - -No tax payment needed
-All of these are considered sources of information that can assist an
underwriter in determining whether or not to accept a risk EXCEPT
Agent's report
Medical Information Bureau (MIB)
Inspection reports
National Association of Insurance Underwriters - -National Association of
Insurance Underwriters
-In NJ, health insurance advertisements are required to contain the - -
insurance company's name
-Replacement regulation is designed to protect the interests of - -
Policyowners
-The Commissioner of Insurance is appointed by - -The governor
-Which type of plan would be most appropriate for an individual on Medicare
and is concerned that Medicare will NOT pay for charges exceeding the
approved amount? - -Medicare supplement plan F
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