KENTUCKY HEALTH INSURANCE CERTIFIED QUALITY EXAM
QUESTIONS WITH VERIFIED CORRECT SOLUTIONS 2026/27
Which of the following most accurately and completely describes an
application?
A. A form furnished by the insurer requesting certain information to
become part of the insurance policy
B. A written request from an applicant to an insurer requesting the
insurer to issue a policy on the basis of the information in the
application
C. An oral request from an agent to an insurer to issue an insurance
policy
D. An application can be any of the above
A. Group Model
A Health maintenance organization (HMO) in a certain city contracts
with an independent medical group to provide services to HMO
subscribers. The paying the individual medical practitioners, What
type of HMO structure is this?
A. Group Model
,B. Network Model
C. Staff Model
D. IPA Model
C. COBRA protects dependents of employees by mandating for them
the same extension and conversion proivelages available to
employees covered by groups plans
Select the correct statement below
A. COBRA permits companies who have terminated employees to
stop their group coverage as of the date of termination
B. When employers discontinue group coverage, employees must
prove they are insurable in order to convert to individual coverage
C. COBRA protects dependents of employees by mandating for them
the same extension and conversion proivelages available to
employees covered by groups plans
D. All the above are correct
D. Probationary period
,In a disability income policy, there is a period during which no
benefits will be paid for illness of any kind. This period usually does
not apply to addicts, only to illness. The term that describes the
interim is the
A. Elimination period
B. Benefit period
C. Waiver period
D. Probationary period
A. A fee for each service
The usual payment arrangement under a Preferred provider
Organization Contract is
A. A fee for each service
B. A flat monthly amount for each subscriber
C. A reimbursement to the individual subscriber
D. Any of the above
, C. Allows the insured to look over the issued policy for a specific
number of days and return it for a premium refund if desired
Which of the following accurately describes the "free look" provision
A. Allows the proposed insured to look over a policy carefully before
applying for it
B. Allows the proposed insured to look over the application carefully
before completing it
C. Allows the insured to look over the issued policy for a specific
number of days and return it for a premium refund if desired
D. Allows the insurance company to obtain an inspection report and
medical examination on the proposed prior to issuing the policy
C. Includes extraterritorial provisions
Jay, who is employed by Carson Company, is assigned to work
temporarily in another state. While in the other state, Jay is injured
on the job. He is entitled to benefits of the Workers Compensation
law in the state in which he was hired even though his injury
occurred in a different state. This indicated that the workers
compensation law in the state Jay was hired
A. Is compulsory
QUESTIONS WITH VERIFIED CORRECT SOLUTIONS 2026/27
Which of the following most accurately and completely describes an
application?
A. A form furnished by the insurer requesting certain information to
become part of the insurance policy
B. A written request from an applicant to an insurer requesting the
insurer to issue a policy on the basis of the information in the
application
C. An oral request from an agent to an insurer to issue an insurance
policy
D. An application can be any of the above
A. Group Model
A Health maintenance organization (HMO) in a certain city contracts
with an independent medical group to provide services to HMO
subscribers. The paying the individual medical practitioners, What
type of HMO structure is this?
A. Group Model
,B. Network Model
C. Staff Model
D. IPA Model
C. COBRA protects dependents of employees by mandating for them
the same extension and conversion proivelages available to
employees covered by groups plans
Select the correct statement below
A. COBRA permits companies who have terminated employees to
stop their group coverage as of the date of termination
B. When employers discontinue group coverage, employees must
prove they are insurable in order to convert to individual coverage
C. COBRA protects dependents of employees by mandating for them
the same extension and conversion proivelages available to
employees covered by groups plans
D. All the above are correct
D. Probationary period
,In a disability income policy, there is a period during which no
benefits will be paid for illness of any kind. This period usually does
not apply to addicts, only to illness. The term that describes the
interim is the
A. Elimination period
B. Benefit period
C. Waiver period
D. Probationary period
A. A fee for each service
The usual payment arrangement under a Preferred provider
Organization Contract is
A. A fee for each service
B. A flat monthly amount for each subscriber
C. A reimbursement to the individual subscriber
D. Any of the above
, C. Allows the insured to look over the issued policy for a specific
number of days and return it for a premium refund if desired
Which of the following accurately describes the "free look" provision
A. Allows the proposed insured to look over a policy carefully before
applying for it
B. Allows the proposed insured to look over the application carefully
before completing it
C. Allows the insured to look over the issued policy for a specific
number of days and return it for a premium refund if desired
D. Allows the insurance company to obtain an inspection report and
medical examination on the proposed prior to issuing the policy
C. Includes extraterritorial provisions
Jay, who is employed by Carson Company, is assigned to work
temporarily in another state. While in the other state, Jay is injured
on the job. He is entitled to benefits of the Workers Compensation
law in the state in which he was hired even though his injury
occurred in a different state. This indicated that the workers
compensation law in the state Jay was hired
A. Is compulsory
