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NJ HEALTH AND ACCIDNT INSURANCE ACTUAL EXAM WITH ALL 250 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS)/ NEW JERSEY HEALTH AND ACCIDENT EXAM| ALREADY GRADED A+|BRAND NEW!!|JUST RELEASED! Health$17.99
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NJ HEALTH AND ACCIDNT INSURANCE ACTUAL EXAM WITH ALL 250 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS)/ NEW JERSEY HEALTH AND ACCIDENT EXAM| ALREADY GRADED A+|BRAND NEW!!|JUST RELEASED! Health
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NJ HEALTH AND ACCIDNT INSURANCE
Institution
NJ HEALTH AND ACCIDNT INSURANCE
NJ HEALTH AND ACCIDNT
INSURANCE ACTUAL EXAM 2024-
2025 WITH ALL 250 QUESTIONS
AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS)/
NEW JERSEY HEALTH AND
ACCIDENT EXAM| ALREADY
GRADED A+|BRAND NEW!!|JUST
RELEASED!
Health
NJ HEALTH AND ACCIDNT
INSURANCE ACTUAL EXAM 2024-
2025 WITH ALL 250 QUESTIONS
AND CORRECT DETAILED
ANSWERS (VERIFIED ANSWERS)/
NEW JERSEY HEALTH AND
ACCIDENT EXAM| ALREADY
GRADED A+|BRAND NEW!!|JUST
RELEASED!
Health Insurance✔✔✔Insurance that protects against financial loss due
to sickness or accidental bodily injury.
, Page 2 of 33
Disability Insurance✔✔✔Insurance that provides coverage for lost
income in the event of a disability that prevents work.
Medical Expense Insurance✔✔✔Insurance that pays benefits for
nonsurgical doctors' fees incurred during a hospital stay.
Interim Coverage✔✔✔A short-term insurance policy purchased when
an individual is between jobs or waiting for a new policy to take effect.
Accidental Death and Dismemberment Insurance
(AD&D)✔✔✔Insurance that provides a lump-sum benefit in the event
of accidental death or dismemberment.
In an employer-sponsored contributory group Disability Income Plan,
the employer pays 60% of the premium and each employee pays 40% of
the premium. Any income benefits paid are taxed to the employee
at✔✔✔60% of the benefit
Sonya applied for a health insurance policy on April 1. Her agent
submitted the information to the insurance company on April 6. She paid
the premium on May 15 with the policy indicating the effective date
, Page 3 of 33
being May 30. On which date would Sonya have coverage?✔✔✔May
30
Nonparticipating Plan✔✔✔An insurance plan where the insured does
not share in the company's divisible surplus.
Participating Plan✔✔✔An insurance plan where the policy owner
receives shares of the company's divisible surplus.
Patient Protection and Affordable Care Act (ACA)✔✔✔Legislation that
aims to increase the quality, affordability, and coverage of health
insurance.
Group Health Insurance✔✔✔Insurance coverage provided to a group of
individuals, typically employees, under a single contract.
Renewability Provisions✔✔✔Terms in an insurance policy that define
the insurer's rights to cancel or renew the policy at different points.
, Page 4 of 33
During the underwriting process for a group health policy, it was
discovered that 15 out of 50 members of the group have major health
issues. How would the insurer handle this?✔✔✔Accept or reject the
whole group
When a claim has coverage under more than one health plan, which
group medical plan provision applies?✔✔✔Coordination of benefits
What percentage of eligible employees must participate in a
noncontributory group health plan before it can be put in
effect?✔✔✔100%
Who is financially liable for the payment of covered claims in a fully
insured group health plan?✔✔✔Insurer
Buy-Sell Plans are typically funded by which two types of
insurance?✔✔✔Life insurance and Disability insurance
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