OHIO HEALTH AND LIFE INSURANCE EXAM
SCRIPT 2026 SOLVED QUESTIONS WITH
VERIFIED ANSWERS
◉ The monthly benefit for an individual disability income policy is
typically limited to a percentage of the insureds income to avoid:
Answer: Over insurance
◉ Long term care policies will be offered by a producer with which
option. Answer: A refund option
◉ HMO's will provide care in which scenario?. Answer: Out-of-
network emergencies
◉ For members of a Health Insuring Corporation who are they
required to se for all non emergencies. Answer: Primary Care
Physician
◉ If Thomas works for an employer who offers an HRA who is the
party that funds the HRA. Answer: Employer
◉ Consider a situation where an employee, aged 66, is covered by
both Medicare and his employers group health plan. In managing a
, claim, how should there benefits be coordinated to effectively utilize
the coverage provided by both Medicare and the employers plan,
ensuring the most efficient payment process. Answer: Medicare is
the secondary payer
◉ If an employer and an employee are sharing a $5,000 medical
claim. The employer covers 70% of the claim, while the employee
covers the remaining 30%. Which of the following statements is true
regarding an employee's contributions to health insurance
premiums.. Answer: The employee's contribution of $1,500 (30%)
can be made with pre-tax dollars if using an HSA or FSA
◉ The contract terminology that states a policy must have a benefit
payment is. Answer: aleatory
◉ What statement about Health Insurance Corporations is not true.
Answer: Benefits are provided on a reimbursement basis
◉ Which of the following would commonly be excluded in a health
policy. Answer: Self-Inflicted Injuries
◉ What type of policy would cover 1 of 2 business owners by paying
small payments over time, then a lump sum when they do not go
back to work?. Answer: Buy-Sell
SCRIPT 2026 SOLVED QUESTIONS WITH
VERIFIED ANSWERS
◉ The monthly benefit for an individual disability income policy is
typically limited to a percentage of the insureds income to avoid:
Answer: Over insurance
◉ Long term care policies will be offered by a producer with which
option. Answer: A refund option
◉ HMO's will provide care in which scenario?. Answer: Out-of-
network emergencies
◉ For members of a Health Insuring Corporation who are they
required to se for all non emergencies. Answer: Primary Care
Physician
◉ If Thomas works for an employer who offers an HRA who is the
party that funds the HRA. Answer: Employer
◉ Consider a situation where an employee, aged 66, is covered by
both Medicare and his employers group health plan. In managing a
, claim, how should there benefits be coordinated to effectively utilize
the coverage provided by both Medicare and the employers plan,
ensuring the most efficient payment process. Answer: Medicare is
the secondary payer
◉ If an employer and an employee are sharing a $5,000 medical
claim. The employer covers 70% of the claim, while the employee
covers the remaining 30%. Which of the following statements is true
regarding an employee's contributions to health insurance
premiums.. Answer: The employee's contribution of $1,500 (30%)
can be made with pre-tax dollars if using an HSA or FSA
◉ The contract terminology that states a policy must have a benefit
payment is. Answer: aleatory
◉ What statement about Health Insurance Corporations is not true.
Answer: Benefits are provided on a reimbursement basis
◉ Which of the following would commonly be excluded in a health
policy. Answer: Self-Inflicted Injuries
◉ What type of policy would cover 1 of 2 business owners by paying
small payments over time, then a lump sum when they do not go
back to work?. Answer: Buy-Sell
