NEW YORK insurance pretest (Adjusters) Exam Question With Verified Answers

NEW YORK insurance pretest (Adjusters) Exam Question With Verified Answers One objective of a concurrent review provision in group accident and health insurance is to? - answerMonitor length of stay in the hospital once the patient is admitted. One objective of a concurrent review provision in group accident and health insurance is to? - answerMonitor length of stay in the hospital once the patient is admitted. For groups with high prior claims experience, an insurer would be likely to? - answerExpect high future claims experience For groups with high prior claims experience, an insurer would be likely to? - answerExpect high future claims experience Antigen is the medical term for? - answerAn infectious agent Antigen is the medical term for? - answerAn infectious agent Why would an insurer limit the combined amount of disability income benefits under multiple policies purchased by an insured from the same or another company? - answerTo prevent the insured from receiving a benefit amount which might make becoming disabled financially attractive. Why would an insurer limit the combined amount of disability income benefits under multiple policies purchased by an insured from the same or another company? - answerTo prevent the insured from receiving a benefit amount which might make becoming disabled financially attractive. Periodontics includes all of the following EXCEPT? - answerdentures Periodontics includes all of the following EXCEPT? - answerdentures A contract offered for acceptance or rejection without negotiation is called ? - answercontract adhesion A contract offered for acceptance or rejection without negotiation is called ? - answercontract adhesion How does the Medicare Supplement at-home recovery services benefit differ from the Medicare home health care benefit? - answerThe Medicare Supplement benefit covers assistance with daily living How does the Medicare Supplement at-home recovery services benefit differ from the Medicare home health care benefit? - answerThe Medicare Supplement benefit covers assistance with daily living A mandatory second surgical opinion provision typically would encourage all of the following EXCEPT? - answerhigher total accident and health plan cost for an employer A mandatory second surgical opinion provision typically would encourage all of the following EXCEPT? - answerhigher total accident and health plan cost for an employer Which of the following is a requirement for an act of terrorism to be certified according to the Terrorism Risk Insurance Extension Act of 2005? - answerThe total loss in property and casualty damages must exceed $5 million. Which of the following is a requirement for an act of terrorism to be certified according to the Terrorism Risk Insurance Extension Act of 2005? - answerThe total loss in property and casualty damages must exceed $5 million. Medicaid is funded by state governments and by? - answerfederal Medicaid is funded by state governments and by? - answerfederal All of the following are typical benefit periods for long-term disability income insurance EXCEPT? - answerone year All of the following are typical benefit periods for long-term disability income insurance EXCEPT? - answerone year By applying the principle of indemnity, an insured should be prevented from? - answerprofit from loss By applying the principle of indemnity, an insured should be prevented from? - answerprofit from loss A new Medicare Part A "benefit period" is available after an insured has been out of a hospital or other facility for at least? - answer60 days A new Medicare Part A "benefit period" is available after an insured has been out of a hospital or other facility for at least? - answer60 days What is the maximum period of imprisonment for conviction of unfair and deceptive insurance practices? - answer15 years What is the maximum period of imprisonment for conviction of unfair and deceptive insurance practices? - answer15 years Group accident and health insurance usually is written to cover? - answerPeople working for the same employer Group accident and health insurance usually