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Health Insurance Exam | Questions and Answers | 100% Correct (Latest Update 2025 / 2026)
Question:
And insurance applicant was recently denied insurance coverage. The applicant is requesting access from the insurer to record personal information regarding this decision. Under the information and privacy protection act, the insurer MUST make the information available within ___ business days
Answer:
30 days
Question:
One roll of the life and health guaranty association is to
Answer:
Maintain public confidence in the promises of insurers
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Question:
Life insurance replacement regulation is designed to protect the interest of
Answer:
Policyowners
Question:
How long is the free look period for accident and health policies sold in North Carolina?
Answer:
10 days
Question:
In order for a domestic, foreign, or alien insurance company to conduct business, it must be authorized by whom?
Answer:
The state where they are conducting business
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Question:
An example of unfair discrimination would be
Answer:
Offering different terms of coverage for a different policy owners having the same risk classification
Question:
The minimum age which a person can sign a life insurance application is
Answer:
15 years
Question:
Under what conditions me a lender required the purchase of insurance as a condition of making a loan?
Answer:
Only if the borrower is not restricted in his/her choice of insurers
Question:
Which type of provider is known for stressing preventative medical care?
Answer:
Health Maintenance Organizations (HMO's) 3 / 4
Question:
The health insurance program which is administered by each state and funded by both the federal and state governments is called
Answer:
Medicaid
Question:
Medicaid was designed to assist individuals who are
Answer:
below a specific income limit
Question:
Medicare is intended for all of the following groups, EXCEPT
Answer:
Those enrolled as a full-time student
Question:
The individual who provides general medical care for a patient as well as the referral for specialized care is known as a
Answer:
Primary Care Physician
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