NJ HEALTH AND ACCIDENT INSURANCE
EXAM 2024 ACTUAL EXAM 2 VERSIONS
(VERSION A AND B) COMPLETE
ACCURATE EXAM QUESTIONS WITH
DETAILED VERIFIED ANSWERS (100%
CORRECT ANSWERS) /ALREADY
GRADED A+
VERSION A
What do the individual members of a group receive
as evidence that they are covered by a group health
insurance policy?
a. a master policy
b. a certificate of coverage
c. a document of insurability
d. a contract
a certificate of coverage
Dependent coverage for employees must be made
available to a participating employee's spouse or
children who are under age
a. 26
,b. 21
c. 25
d. 18
26
Insurers usually allow a period of 30 or 31 days for
employees to sign up for health insurance without
having to prove evidence of insurability. This period
of time is known as the
a. waiting period
b. coordination of benefits
c. benefits period
d. enrollment period
enrollment period
A state law that requires benefits that began to be
paid while a health insurance policy was in force to
continue to be paid after the policy is terminated is
known as
a. continuation of benefits
b. extension of benefits
c. COBRA
d. qualified benefits
extension of benefits
All of the following are events that terminate
coverage EXCEPT
,a. a covered employee quits
b. a covered employee is laid off
c. the employer discontinues the coverage for a
certain class of employees
d. a non-disabled dependent child reaches age 25
a non-disabled dependent child reaches age 25
All of the following could be considered dependents
except the insured's
a. adopted children
b. 26-year-old child who is disabled
c. parents
d. 26-year-old child
26-year-old child
The coordination of benefits provision provides that
when a person is covered under more than one plan
the
a. secondary plan pays up to its limits first and then
the primary plan pays the rest
b. primary plan pays up to its limits first and then the
secondary plan pays the rest
c. primary plan and secondary plan split the cost
d. secondary plan does not have to pay anything
, primary plan pays up to its limits first and then the
secondary plan pays the rest
When both parents have employer-provided group
coverage, which plan would be the primary payer
that their children would be covered under?
a. the mother's plan
b. the father's plan
c. the plan of the parent whose birthday falls closest
to the child's birthday
d. the plan of the parent whose birthday falls earliest
in the calendar year
the plan of the parent whose birthday falls earliest in
the calendar year
Which federal law requires employers with more
than 20 employees to include in their group
insurance plan a continuation of benefits provision
for all eligible employees?
a. COBRA
b. TEFRA
c. ERISA
d. OBRA
COBRA
the option to elect continuation of benefits after an
employee's group plan is terminated expires
EXAM 2024 ACTUAL EXAM 2 VERSIONS
(VERSION A AND B) COMPLETE
ACCURATE EXAM QUESTIONS WITH
DETAILED VERIFIED ANSWERS (100%
CORRECT ANSWERS) /ALREADY
GRADED A+
VERSION A
What do the individual members of a group receive
as evidence that they are covered by a group health
insurance policy?
a. a master policy
b. a certificate of coverage
c. a document of insurability
d. a contract
a certificate of coverage
Dependent coverage for employees must be made
available to a participating employee's spouse or
children who are under age
a. 26
,b. 21
c. 25
d. 18
26
Insurers usually allow a period of 30 or 31 days for
employees to sign up for health insurance without
having to prove evidence of insurability. This period
of time is known as the
a. waiting period
b. coordination of benefits
c. benefits period
d. enrollment period
enrollment period
A state law that requires benefits that began to be
paid while a health insurance policy was in force to
continue to be paid after the policy is terminated is
known as
a. continuation of benefits
b. extension of benefits
c. COBRA
d. qualified benefits
extension of benefits
All of the following are events that terminate
coverage EXCEPT
,a. a covered employee quits
b. a covered employee is laid off
c. the employer discontinues the coverage for a
certain class of employees
d. a non-disabled dependent child reaches age 25
a non-disabled dependent child reaches age 25
All of the following could be considered dependents
except the insured's
a. adopted children
b. 26-year-old child who is disabled
c. parents
d. 26-year-old child
26-year-old child
The coordination of benefits provision provides that
when a person is covered under more than one plan
the
a. secondary plan pays up to its limits first and then
the primary plan pays the rest
b. primary plan pays up to its limits first and then the
secondary plan pays the rest
c. primary plan and secondary plan split the cost
d. secondary plan does not have to pay anything
, primary plan pays up to its limits first and then the
secondary plan pays the rest
When both parents have employer-provided group
coverage, which plan would be the primary payer
that their children would be covered under?
a. the mother's plan
b. the father's plan
c. the plan of the parent whose birthday falls closest
to the child's birthday
d. the plan of the parent whose birthday falls earliest
in the calendar year
the plan of the parent whose birthday falls earliest in
the calendar year
Which federal law requires employers with more
than 20 employees to include in their group
insurance plan a continuation of benefits provision
for all eligible employees?
a. COBRA
b. TEFRA
c. ERISA
d. OBRA
COBRA
the option to elect continuation of benefits after an
employee's group plan is terminated expires
