Florida Health Insurance Exam
Questions and Answers Latest Version
100% Pass
What is the minimum grace period for individual health insurance policies in Florida?
✔✔ 10 days
What is the purpose of the Florida Life and Health Insurance Guaranty Association?
✔✔ To protect policyholders if an insurer becomes insolvent
In Florida, what document explains the basic features of a health insurance policy to the
applicant?
✔✔ Outline of Coverage
What is the free-look period for health insurance policies issued in Florida?
✔✔ 10 days
Who must sign a health insurance application in Florida?
✔✔ The applicant and the agent
1
,What happens if a Florida health insurance policy is reinstated after a lapse?
✔✔ A 10-day waiting period for sickness begins
Which Florida law ensures privacy of personal health information?
✔✔ Florida Insurance Code, in line with HIPAA
What is required before an insurance agent in Florida can sell health insurance?
✔✔ A valid Florida health insurance license
In Florida, what must happen if a health policy excludes coverage for pre-existing conditions?
✔✔ The exclusion must be clearly stated in the policy
How long must Florida insurers maintain health policy records?
✔✔ 5 years
What is the purpose of a Florida health insurance replacement notice?
✔✔ To inform the applicant of the effects of replacing an existing policy
2
, What does “guaranteed renewable” mean in Florida health insurance?
✔✔ The insurer must renew the policy as long as premiums are paid
How long must an insurer wait before contesting a Florida health insurance policy due to
misstatements?
✔✔ 2 years
What is the maximum probationary period allowed for group health insurance in Florida?
✔✔ 90 days
Who is eligible for Florida KidCare?
✔✔ Uninsured children under age 19
Which Florida program provides health insurance to low-income residents?
✔✔ Florida Medicaid
What is the purpose of the Florida Health Choices program?
3
Questions and Answers Latest Version
100% Pass
What is the minimum grace period for individual health insurance policies in Florida?
✔✔ 10 days
What is the purpose of the Florida Life and Health Insurance Guaranty Association?
✔✔ To protect policyholders if an insurer becomes insolvent
In Florida, what document explains the basic features of a health insurance policy to the
applicant?
✔✔ Outline of Coverage
What is the free-look period for health insurance policies issued in Florida?
✔✔ 10 days
Who must sign a health insurance application in Florida?
✔✔ The applicant and the agent
1
,What happens if a Florida health insurance policy is reinstated after a lapse?
✔✔ A 10-day waiting period for sickness begins
Which Florida law ensures privacy of personal health information?
✔✔ Florida Insurance Code, in line with HIPAA
What is required before an insurance agent in Florida can sell health insurance?
✔✔ A valid Florida health insurance license
In Florida, what must happen if a health policy excludes coverage for pre-existing conditions?
✔✔ The exclusion must be clearly stated in the policy
How long must Florida insurers maintain health policy records?
✔✔ 5 years
What is the purpose of a Florida health insurance replacement notice?
✔✔ To inform the applicant of the effects of replacing an existing policy
2
, What does “guaranteed renewable” mean in Florida health insurance?
✔✔ The insurer must renew the policy as long as premiums are paid
How long must an insurer wait before contesting a Florida health insurance policy due to
misstatements?
✔✔ 2 years
What is the maximum probationary period allowed for group health insurance in Florida?
✔✔ 90 days
Who is eligible for Florida KidCare?
✔✔ Uninsured children under age 19
Which Florida program provides health insurance to low-income residents?
✔✔ Florida Medicaid
What is the purpose of the Florida Health Choices program?
3
