Exam (elaborations)
Health Exam Practice Questions with Solutions 2024
- Course
- Institution
Health Exam Practice
[Show more]
Content preview
Health Exam PracticeIn North Carolina, group long-term care policies will provide covered individuals with a
basis for continuation or conversion of coverage. How many days after the termination
date must an applicant submit a written application and the first premium payment, in
order to be eligible for an individual policy? - answer31 days
Paul has a basic medical policy. It will pay for: - answer Doctor visits
Which of the following must happen before an HIV test is performed on an applicant? -
answerA consent form must be signed by the applicant prior to the test.
A company incorporated or organized under the laws of any jurisdiction outside of the
United States is: - answerAn alien company
Managed care (Medicare Advantage) expenses are provided by which part of
Medicare? - answerPart C
Insurance contracts are one-sided. Which of the following terms best describes this? -
answerUnilateral contract
Newborn children are covered: - answerFrom the moment of birth
Nursing home care is provided by which part of Medicare? - answerPart A
In North Carolina, a health insurance policy will provide for an annual mammogram for
any woman: - answer50 or older
Blake bought a life policy with a $500,000 face value and an AD&D rider that is triple
indemnity. After 4 months, he is killed in an avalanche, what would the policy pay? -
answer$1,500,000
All of the following statements are incorrect regarding the reinstatement provision,
EXCEPT:
Select one:
a. Accidents are covered immediately upon reinstatement, and sicknesses are covered
after a 10-day waiting period.
b. There is a 45-day waiting period for a policy to become effective once reinstated.
c. Only accidents are covered under a reinstated policy.
d. Sickness and accident are covered immediately upon reinstatement. - answera.
Accidents are covered immediately upon reinstatement, and sicknesses are covered
after a 10-day waiting period.
, What is the term used to describe a person who tries to obtain information about a
natural person, pretends to be someone he is not, or pretends to represent a person he
is not representing? - answerPretext interview
If an insurer uses what is considered fair and common for a geographic area to
determine the coverage and benefits to pay for a surgery, it is called: - answerUsual,
reasonable, and customary
Which of the following is Title 19, a public welfare program? - answerMedicaid
What type of policy does not allow the insurer to change the premium or the coverage?
- answerNoncancelable
If an owner of a small company has a car crash and becomes disabled, which type of
policy would pay the company's rent? - answerBusiness overhead expense
Harold was injured falling off a scaffold at work. Why was his claim denied under his
employer's group disability plan? - answerWorkers' Compensation is the primary benefit
provider in this case.
Long-term care plans are written as: - answerGuaranteed renewable
On his application for a life insurance policy, James writes that he is a smoker, age 34,
and is in generally good health. One year after the policy is issued James is diagnosed
with lung cancer. James did not indicate on his life insurance application that he had
lung cancer. Which of the following best explains James' situation, and how the insurer
will handle the situation? - answerJames' statements on the application were made to
the best of his knowledge. The insurer will not void or cancel the policy.
A bookkeeper with a disability policy changed jobs to work on an offshore oil platform
and became disabled. His policy states that he has a $1,000 monthly benefit for a
qualifying disability, but he receives $750.00 per month. His policy most likely has a: -
answerChange of occupation provision
What right of renewability guarantees both the premium and insurability? -
answerNoncancelable
The North Carolina Life and Health Guaranty Association exercises its powers through
the: - answerBoard of Directors
In a POS plan, going to a doctor that is not approved will result in: - answerHigher
coinsurance
The benefits of buying summaries with Stuvia:
Guaranteed quality through customer reviews
Stuvia customers have reviewed more than 700,000 summaries. This how you know that you are buying the best documents.
Quick and easy check-out
You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.
Focus on what matters
Your fellow students write the study notes themselves, which is why the documents are always reliable and up-to-date. This ensures you quickly get to the core!
Frequently asked questions
What do I get when I buy this document?
You get a PDF, available immediately after your purchase. The purchased document is accessible anytime, anywhere and indefinitely through your profile.
Satisfaction guarantee: how does it work?
Our satisfaction guarantee ensures that you always find a study document that suits you well. You fill out a form, and our customer service team takes care of the rest.
Who am I buying these notes from?
Stuvia is a marketplace, so you are not buying this document from us, but from seller julianah420. Stuvia facilitates payment to the seller.
Will I be stuck with a subscription?
No, you only buy these notes for $14.99. You're not tied to anything after your purchase.
Can Stuvia be trusted?
4.6 stars on Google & Trustpilot (+1000 reviews)
76747 documents were sold in the last 30 days
Founded in 2010, the go-to place to buy study notes for 14 years now