Health and Accident
Insurance Exam
- 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 - In regards to a group health insurance plan, which statement is CORRECT?
A non-contributory group health plan must cover all eligible members - Which of the following is NOT typically covered under vision care insurance?
Eye Surgery - An eligible individual who would like to obtain group health insurance without
providing evidence of insurability must?
Enroll within a specified eligibility period - Coverage is limited for vision and dental insurance in all of the following ways,
EXCEPT?
Specific dollar amount for examinations - The Consolidated Omnibus Budget Reconciliation Act (COBRA) applies to
employers who employ at least?
20 employees - The problem of over insurance is addressed in which health insurance provision?
Coordination of benefits - Minimum participation standards exist for group health insurance plans in order to
Prevent adverse selection - In an employer-sponsored group accident and health plan, a master contract is
issued to the?
Employer - Which of the following does Coordination of Benefits allow?