GA Health Insurance Exam Practice Questions and Answers
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Course
GA Life Insurance
Institution
GA Life Insurance
GA Health Insurance Exam Practice
Questions and Answers
Under which of the following circumstances will the benefits under
COBRA continuation coverage end? - Answer️️ -all group health plans
are terminated by the employer
Dental care coverage is designated to cover the costs of all the fol...
GA Health Insurance Exam Practice
Questions and Answers
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
Which of the following statements is true about most Blue Cross/Blue
Shield organizers? - Answer✔️✔️-they are nonprofit organizers
Which of the following types of organizations are prepaid group health
plans, where members pay in advance for the services of participating
physician and hospitals that have agreements? - Answer✔️✔️-HMO
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