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NJ HEALTH AND ACCIDENT FINAL EXAM AND PRACTICE EXAM NEWEST ACTUAL EXAM COMPLETE 250 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+$17.99
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NJ HEALTH AND ACCIDENT FINAL EXAM AND PRACTICE EXAM NEWEST ACTUAL EXAM COMPLETE 250 QUESTIONS AND CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) |ALREADY GRADED A+
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Course
NJ HEALTH AND ACCIDENT
Institution
NJ HEALTH AND ACCIDENT
NJ HEALTH AND ACCIDENT FINAL EXAM AND
PRACTICE EXAM NEWEST ACTUAL EXAM
COMPLETE 250 QUESTIONS AND CORRECT
DETAILED ANSWERS (VERIFIED ANSWERS)
|ALREADY GRADED A+
NJ HEALTH AND ACCIDENT FINAL EXAM AND
PRACTICE EXAM NEWEST ACTUAL EXAM
COMPLETE 250 QUESTIONS AND CORRECT
DETAILED ANSWERS (VERIFIED ANSWERS)
|ALREADY GRADED A+
The Commissioner must approve - ANSWERContinuing education courses
Employer sponsored group health insurance provides coverage for which of the
following?
Self-inflicted injuries
cosmetic surgery
custodial care
alcoholism - ANSWERalcoholism
A Medicare supplement policy can be cancelled by the insurer for -
ANSWERNonpayment
Which entity is responsible for regulating insurance advertising in NJ? - ANSWERNew
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 - ANSWERBrokers and consultants
Written notice for a health claim must be given to the insurer ___ days after the
occurrence of the loss. - ANSWER20
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 -
ANSWERd) 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 -
ANSWERThe policy must be issued regardless of health status
In what form do disability income policies typically pay benefits? - ANSWERPeriodic
income
What is considered to be the primary reason for buying life insurance? -
ANSWERProvide death benefits
A newborn is required to be covered for ____ days from the moment of birth -
ANSWER30
Once an accident and health insurance policy has been in force for ___ year(s), the
policy may NOT be contested by the insurer - ANSWER2
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 - ANSWERDoctor
cannot charge more than Medicare's scheduled coverage
What is issued to each employee with an employer health plan? - ANSWERCertificate
What is the tax liability for employer contributions in Health Savings Accounts (HSA's)? -
ANSWERNo 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 - ANSWERNational Association of
Insurance Underwriters
In NJ, health insurance advertisements are required to contain the - ANSWERinsurance
company's name
, Replacement regulation is designed to protect the interests of - ANSWERPolicyowners
The Commissioner of Insurance is appointed by - ANSWERThe 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? -
ANSWERMedicare supplement plan F
Which of the following is NOT a common exclusion for a medical expense policy?
Physical therapy
Act of war
on the job injury
self inflicted injury - ANSWERPhysical therapy
Twisting is best defined as - ANSWERusing misrepresentation to induce an insured
person to terminate an existing policy and purchase a new policy
The reinstatement provision in a health insurance policy is - ANSWERMandatory
A producer has recently died and leaves behind a spouse. In order for the producer's
insurance business to continue, the Department of Banking and Insurance may issue to
the producer's spouse a(n) - ANSWERtemporary insurance license
Pierre the producer receives a premium for an individual health insurance policy. Pierre
MUST remit the premium to his insurer within ____ business days of receipt -
ANSWER7
Nina just passed her NJ insurance licensing examination. She is REQUIRED to apply
for a producer's license within ____ months - ANSWER12
Which of the following MUST contain a "statement of policy cost and benefit
information"? - ANSWERPolicy Summary
The department of banking and insurance can make information pertaining to a
producers license available through - ANSWERCertificate of License Status Report
Intentional withholding of material facts that would affect an insurance policy's validity is
called a(n) - ANSWERConcealment
Under the NJ Continuance of Benefits law, notice to extend coverage is required within
how many days of a qualifying event? - ANSWER30
Which of the following does Medicare Part D cover?
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