New Jersey Health Final
Comprehensive Resource To Help You Ace 2026-2027 Exams
Includes Frequently Tested Questions With ELABORATED
100% Correct COMPLETE SOLUTIONS
Guaranteed Pass First Attempt!! Current Update!!
Instant Download Pdf!!
1. Policies required to provide home health care benefits must cover at least:
A) 30 home health visits annually
B) 60 home health visits annually
C) 90 home health visits annually
D) 120 home health visits annually - Correct Answer: B
2. Medicare Supplement policies shall provide that benefits to cover cost sharing amounts
under Medicare will:
A) Automatically change to coincide with changes in Medicare deductibles and
coinsurance payments
B) Change upon renewal to coincide with changes in Medicare deductibles and
coinsurance payments
C) Automatically change to meet Medicare deductibles only
D) Automatically change to meet Medicare coinsurance payments only - Correct
Answer: A
3. Under a Medicare Supplement policy, denial of a claim for losses incurred as a result of
preexisting conditions may not be denied as a result of a preexisting condition after:
A) 12 months from the effective date of coverage
B) 24 months from the effective date of coverage
C) 3 months from the effective date of coverage
D) 6 months from the effective date of coverage - Correct Answer: D
,4. Medicare Supplement policy shall not provide for termination of coverage -except for
nonpayment of premium- for which of the following?
A) Dependents of an eligible spouse because the insured's coverage has terminated
B) An eligible spouse because the insured's coverage has terminated
C) An insured because an eligible dependent's coverage has terminated
D) A spouse because an eligible dependent's coverage has terminated - Correct
Answer: B
5. Concerning Medicare Supplement policies, which of the following is/are true?
A) Medicare Supplement policies may not indemnify for losses from sickness on a
different basis than losses from accidents
B) Some Medicare Supplement policies indemnify for losses resulting from
6. accidents only
7. C) Both of the choices
8. D) Neither of the choices - Correct Answer: A
9. Health insurance policies, other than those issued by a direct-response insurer, must
provide for a full refund of premium if the contract is returned within:
A) 10 days
B) 20 days
C) 30 days
D) 60 days - Correct Answer: A
10. Health insurance policies issued by a direct-response insurer must provide for a full
refund of premium if the premium if the contract is returned within:
11. A)10 days
12. B) 20 days
13. C) 30 days
14. D) 60 days - Correct Answer: C
15. In New Jersey, benefits for treatment of alcoholism must be included in health insurance
policies providing:
, A) Hospital income benefits
B) Student accident benefits
C) Surgical Expense benefits
D) Hospital and Medical expense benefits - Correct Answer: D
16. Medicare supplement policies issued on an individual basis must return in benefit
17. payments to policyholders an amount at least equal to:
A) 65% of the aggregate premiums collected
B) 75% of the aggregate premiums collected
C) 80% of the aggregate premiums collected
D) 90% of the aggregate premiums collected - Correct Answer: A
18. Medicare supplement policies issued on group basis must return in benefit payments to
19. policyholders an amount at least equal to:
A) 65% of the aggregate premiums collected
B) 75% of the aggregate premiums collected
C) 80% of the aggregate premiums collected
D) 90% of the aggregate premiums collected. - Correct Answer: B
20. When credit accident and health is written, evidence of coverage -a policy or certificate
of insurance- must be delivered to the debtor when the debt is incurred or within:
A) 10 days
B) 20 days
C) 30 days
D) 60 days - Correct Answer: C
21. The purpose of COBRA requirements concerns:
A) Coordination of health benefits
B) Continuation of health benefits
C) Medicare supplement coverage
D) Nondiscrimination in group health plans - Correct Answer: B
22. All advertisements regardless of by whom written, are the responsibility of:
, A) The agent
B) The insurer
C) The insured
D) None of the choices listed - Correct Answer: B
23. Each individual health policy must contain which of the following?
A) A renewal provision
B) A continuation provision
C) A nonrenewal provision
D) A renewal, continuation or nonrenewal provisio - Correct Answer: D
The regulations concerning advertisements of health insurance require truthful presentations
which are not misleading or confusing. Many of the practices specified are not prohibited and
may be used if the statement or representation is:
A) A generalization
B) Followed by a disclaimer
C) Reasonably complete and fair
D) Actually true in fact - Correct Answer: D
After use, health insurance advertisements must be kept in an insurer's advertising file for at
least:
A) Five years
B) Three years
C) Two years
D) One year - Correct Answer: A
Comprehensive Resource To Help You Ace 2026-2027 Exams
Includes Frequently Tested Questions With ELABORATED
100% Correct COMPLETE SOLUTIONS
Guaranteed Pass First Attempt!! Current Update!!
Instant Download Pdf!!
1. Policies required to provide home health care benefits must cover at least:
A) 30 home health visits annually
B) 60 home health visits annually
C) 90 home health visits annually
D) 120 home health visits annually - Correct Answer: B
2. Medicare Supplement policies shall provide that benefits to cover cost sharing amounts
under Medicare will:
A) Automatically change to coincide with changes in Medicare deductibles and
coinsurance payments
B) Change upon renewal to coincide with changes in Medicare deductibles and
coinsurance payments
C) Automatically change to meet Medicare deductibles only
D) Automatically change to meet Medicare coinsurance payments only - Correct
Answer: A
3. Under a Medicare Supplement policy, denial of a claim for losses incurred as a result of
preexisting conditions may not be denied as a result of a preexisting condition after:
A) 12 months from the effective date of coverage
B) 24 months from the effective date of coverage
C) 3 months from the effective date of coverage
D) 6 months from the effective date of coverage - Correct Answer: D
,4. Medicare Supplement policy shall not provide for termination of coverage -except for
nonpayment of premium- for which of the following?
A) Dependents of an eligible spouse because the insured's coverage has terminated
B) An eligible spouse because the insured's coverage has terminated
C) An insured because an eligible dependent's coverage has terminated
D) A spouse because an eligible dependent's coverage has terminated - Correct
Answer: B
5. Concerning Medicare Supplement policies, which of the following is/are true?
A) Medicare Supplement policies may not indemnify for losses from sickness on a
different basis than losses from accidents
B) Some Medicare Supplement policies indemnify for losses resulting from
6. accidents only
7. C) Both of the choices
8. D) Neither of the choices - Correct Answer: A
9. Health insurance policies, other than those issued by a direct-response insurer, must
provide for a full refund of premium if the contract is returned within:
A) 10 days
B) 20 days
C) 30 days
D) 60 days - Correct Answer: A
10. Health insurance policies issued by a direct-response insurer must provide for a full
refund of premium if the premium if the contract is returned within:
11. A)10 days
12. B) 20 days
13. C) 30 days
14. D) 60 days - Correct Answer: C
15. In New Jersey, benefits for treatment of alcoholism must be included in health insurance
policies providing:
, A) Hospital income benefits
B) Student accident benefits
C) Surgical Expense benefits
D) Hospital and Medical expense benefits - Correct Answer: D
16. Medicare supplement policies issued on an individual basis must return in benefit
17. payments to policyholders an amount at least equal to:
A) 65% of the aggregate premiums collected
B) 75% of the aggregate premiums collected
C) 80% of the aggregate premiums collected
D) 90% of the aggregate premiums collected - Correct Answer: A
18. Medicare supplement policies issued on group basis must return in benefit payments to
19. policyholders an amount at least equal to:
A) 65% of the aggregate premiums collected
B) 75% of the aggregate premiums collected
C) 80% of the aggregate premiums collected
D) 90% of the aggregate premiums collected. - Correct Answer: B
20. When credit accident and health is written, evidence of coverage -a policy or certificate
of insurance- must be delivered to the debtor when the debt is incurred or within:
A) 10 days
B) 20 days
C) 30 days
D) 60 days - Correct Answer: C
21. The purpose of COBRA requirements concerns:
A) Coordination of health benefits
B) Continuation of health benefits
C) Medicare supplement coverage
D) Nondiscrimination in group health plans - Correct Answer: B
22. All advertisements regardless of by whom written, are the responsibility of:
, A) The agent
B) The insurer
C) The insured
D) None of the choices listed - Correct Answer: B
23. Each individual health policy must contain which of the following?
A) A renewal provision
B) A continuation provision
C) A nonrenewal provision
D) A renewal, continuation or nonrenewal provisio - Correct Answer: D
The regulations concerning advertisements of health insurance require truthful presentations
which are not misleading or confusing. Many of the practices specified are not prohibited and
may be used if the statement or representation is:
A) A generalization
B) Followed by a disclaimer
C) Reasonably complete and fair
D) Actually true in fact - Correct Answer: D
After use, health insurance advertisements must be kept in an insurer's advertising file for at
least:
A) Five years
B) Three years
C) Two years
D) One year - Correct Answer: A
