Accident and Health Insurance Agent (Broker) Practice Exam with complete Questions and Answers

Accident and Health Insurance Agent (Broker) Practice Exam with complete Questions and Answers
Sally is considering her Medicare options. She understands that to enroll in
Medicare Part B, she will have to pay a monthly premium. Since she is healthy, she
is considering delaying her enrollment until later. Will she be able to enroll at a later
date?
1. Yes, she can enroll at anytime in the future
2. Yes, however; she would have a permanent premium penalty when she does
enroll
3. No, this is a take or leave it situation
4. Yes, but she would have to show evidence of good health. - answerYes,
however; she would have a permanent premium penalty when she does enroll
Under Medicare Part A, a spell of illness begins again and is subject to a new
deductible for another admission when:
1. The patient has been discharged from a prior stay and 45 days have elapsed
2. The patient has been discharged from a prior stay and 30 days have elapsed
3. The patient has been discharged from a prior stay and 60 days have elapsed
4. The patient has been discharged from a prior stay and 90 days have elapsed -
answerThe patient has been discharged from a prior stay and 60 days have elapsed
What type of insurer retains risk?
1. Government
insurance.
2.Reinsurers.
3.Self insurers.
4.Assessment insurers. - answerSelf insurers.

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