NJ Health And Accidental Practice Final
Exam Excel Solutions Questions and
Answers
1. A long-term care policy typically provides all of the following
levels of care EXCEPT
Skilled care
Intermediate care
Acute care
Custodial care
ANS acute care
2. All of the following are included as part of a contract in the
entire contract provision EXCEPT the
Riders
application
Changes made by the producer
ANS changes made by the producer
3. An insurance company may ONLY pay a sales
commission to Individuals who are residents of this
state for at least 5 years Individuals who are
registered with the NAIC
,Individuals licensed by the state
Individuals who are gainfully employment by that insurance company
ANS Individuals licensed by the state
4. The law established insurance transactions should be regulated by
the states is called the
McCarran-Ferguson
Act Mccain-Feingold
act
Fair credit Reporting Act
Paul vs Virginia
ANS McCarren-Ferguson Act
5. In a group medical expense health insurance plan, coverage for
alcoholism is treated as
ANS Any other illness, sickness or disease
6. A producer must
notify the Commissioner within days of a felony
convic- tion.
15
30
45
60
,ANS 30
7. The purpose of Medicare Supplement Insurance is to address
gaps in Medicare coverage, which can include?
Medicare in hospital
deductible replacing HMO
coverage Covering
chiropractic treatment
Treatment provided in a government hospital
ANS Medicare in-hospital deductible
8. in in New Jersey, health insurance advertisements are required to
contain the
Insurance company's
trademark Insurance
company's name Insurance
company's AM Best rating
Insurance company's current standing with the better business Bureau
ANS Insurance company's name
9. States that have "no loss no gain" laws require a replacing policy
to....
, Keep the same type if coverage as the policy it
replaces Not change a different premium from the
policy if replaces
pay for half of any ongoing claims under the policy it replaces
Pay for ongoing claims under the policy it replaces
ANS Pay for ongoing claims under the policy it replaces
10. Which of the following is NOT a required provision in an
accident and health insurance policy?
Legal actions
grace period
Change of occupation
reinstatement
ANS change of occupation
11. In group health care, what is the purpose of the
coordination of benefits provision?
Determines where as insured goes to receive treatment
Determines what is paid by the primary and secondary insurers in the
event of
a claim
Ensures that a health provider receives the proper benefit amount
owed Determines which parent plan covers a department child
Exam Excel Solutions Questions and
Answers
1. A long-term care policy typically provides all of the following
levels of care EXCEPT
Skilled care
Intermediate care
Acute care
Custodial care
ANS acute care
2. All of the following are included as part of a contract in the
entire contract provision EXCEPT the
Riders
application
Changes made by the producer
ANS changes made by the producer
3. An insurance company may ONLY pay a sales
commission to Individuals who are residents of this
state for at least 5 years Individuals who are
registered with the NAIC
,Individuals licensed by the state
Individuals who are gainfully employment by that insurance company
ANS Individuals licensed by the state
4. The law established insurance transactions should be regulated by
the states is called the
McCarran-Ferguson
Act Mccain-Feingold
act
Fair credit Reporting Act
Paul vs Virginia
ANS McCarren-Ferguson Act
5. In a group medical expense health insurance plan, coverage for
alcoholism is treated as
ANS Any other illness, sickness or disease
6. A producer must
notify the Commissioner within days of a felony
convic- tion.
15
30
45
60
,ANS 30
7. The purpose of Medicare Supplement Insurance is to address
gaps in Medicare coverage, which can include?
Medicare in hospital
deductible replacing HMO
coverage Covering
chiropractic treatment
Treatment provided in a government hospital
ANS Medicare in-hospital deductible
8. in in New Jersey, health insurance advertisements are required to
contain the
Insurance company's
trademark Insurance
company's name Insurance
company's AM Best rating
Insurance company's current standing with the better business Bureau
ANS Insurance company's name
9. States that have "no loss no gain" laws require a replacing policy
to....
, Keep the same type if coverage as the policy it
replaces Not change a different premium from the
policy if replaces
pay for half of any ongoing claims under the policy it replaces
Pay for ongoing claims under the policy it replaces
ANS Pay for ongoing claims under the policy it replaces
10. Which of the following is NOT a required provision in an
accident and health insurance policy?
Legal actions
grace period
Change of occupation
reinstatement
ANS change of occupation
11. In group health care, what is the purpose of the
coordination of benefits provision?
Determines where as insured goes to receive treatment
Determines what is paid by the primary and secondary insurers in the
event of
a claim
Ensures that a health provider receives the proper benefit amount
owed Determines which parent plan covers a department child
