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GA Health Insurance Exam With Complete Solutions 2024
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GA Health Insurance Exam With Complete Solutions 2024
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GA Health Insurance Exam With CompleteSolutions 2024
Under which of the following circumstances will the benefits under COBRA continuation coverage end?
Answer: all group health plans are terminated by the employer
Dental care coverage is designated to cover the costs of all the following EXCEPT: Answer: loss of
income
Which type of policy would pay an employee's salary if the employer was injured in a bicycle accident
and out of work for six weeks? Answer: Business Overhead Expense
P and Q are married and have three children. P is the primary beneficiary on Q's Accidental Death and
Dismemberment (AD&D) policy and Q's sister R is the contingent beneficiary. P, Q, and R are involved in
a car accident and Q and R are killed instantly. The Accidental Death benefits will be paid to: Answer:
P only
Common exclusions to continuation of group coverage include: Answer: Dental Care, Other
Prescription Drugs
G is an accountant who has ten employees and is concerned about how the business would survive
financially if G became disabled. The type of policy which BEST addresses this concern is: Answer:
Business Overhead Expense
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers (and their families) whose
employment has been terminated the right to: Answer: continue group health benefits
The Coordination of Benefits provision: Answer: prevents an insured covered by two health plans
from making a profit on a covered loss
, K has an Accidental Death and Dismemberment (AD&D) insurance policy where her husband is
beneficiary and her daughter is contingent beneficiary. Under the Common Disaster clause, if K and her
husband are both killed in an automobile accident, where would the death proceeds be directed?
Answer: daughter
Accidental Death coverage is provided to commercial airline passengers in which of the following types
of policies? Answer: Blanket Accident policy
A policy owner would like to change the beneficiary on an Accidental Death and Dismemberment
(AD&D) insurance policy and make the change permanent. Which type of designation would fulfill this
need? Answer: Irrevocable
Which of the following medical expenses does Cancer insurance NOT cover? Answer: arthritis
Which of the following is the reimbursement of benefits for the treatment of a beneficiary's injuries
cause by a third party? Answer: subrogation
An insured covered by Accidental Death and Dismemberment (AD&D) insurance has just died. What will
happen if the primary beneficiary had already died before the insured and contingent beneficiary?
Answer: proceeds will go to the contingent beneficiary
Which of the following statements BEST describes how a policy that uses the "accidental bodily injury"
definition of an accidental differs from one that uses the "accidental means" definition? Answer:
less restrictive
The percentage of an individual's Primary Insurance Amount (PIA) determines the benefits paid in which
of the following programs? Answer: Social Security Disability Income
Under what system do a group of doctors and hospitals in a designated area contract with an insurer to
provide services at a prearranged cost to the insured? Answer: PPO
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