LOUISIANA LIFE AND HEALTH
INSURANCE TEST 2025/2026 BANK 2
VERSIONS COMPLETE STUDY GUIDE
ACCURATE REAL EXAM QUESTIONS
TESTING VERSIONS AND A STUDY GUIDE |
EXPERT VERIFIED FOR GUARANTEED
PASS
An insured has Medicare Part D coverage. He has reached
his initial benefit limit and must now pay 50% of his
prescription drug costs. What is the term for this gap in
coverage?
A. Bridge
B. Blackout period
C. Latency period
D. Donut hole - ....ANSWER...D. Donut hole
,Once the initial benefit limit is reached, a gap called a
"donut hole" occurs, in which the beneficiary is responsible
for a portion of prescription drug costs.
Which of the following statements is NOT correct?
A. Medicare Part B provides physician services.
B. Medicare Advantage must be provided through HMOs.
C. Medicare Advantage may include prescription drug
coverage at no cost
D. Medicare Part A provides hospital care. -
....ANSWER...B. Medicare Advantage must be provided
through HMOs.
Medicare Part A provides hospital care; Medicare Part B
provides doctors and physician services, and Medicare
,Advantage (previously Medicare+Choice) offers expanded
benefits for a fee through private health insurance
programs such as HMOs and PPOs.
If one takes Social Security retirement benefits at age 62,
what needs to be done at age 65 to qualify for Medicare?
A. Apply for coverage through the state
B. Appear for a physical at the Social Security office
C. Apply at a local Social Security office
D. Nothing - ....ANSWER...D. Nothing
Nothing needs to be done in this case. Medicare Part A
and B will automatically be effective the month you turn
65.
When can a Long-Term Care policy deny a claim for losses
incurred because of a pre-existing condition?
, A. At no time
B. Within 6 months of the effective date of coverage
C. Within 12 months of the effective date of coverage
D. At any time - ....ANSWER...B. Within 6 months of the
effective date of coverage
A long-term care policy cannot deny a claim for losses
incurred more than 6 months from the effective date of
coverage because of a pre-existing condition.
According to OBRA, what is the minimum number of
employees required to constitute a large group?
A. 100
B. 15
INSURANCE TEST 2025/2026 BANK 2
VERSIONS COMPLETE STUDY GUIDE
ACCURATE REAL EXAM QUESTIONS
TESTING VERSIONS AND A STUDY GUIDE |
EXPERT VERIFIED FOR GUARANTEED
PASS
An insured has Medicare Part D coverage. He has reached
his initial benefit limit and must now pay 50% of his
prescription drug costs. What is the term for this gap in
coverage?
A. Bridge
B. Blackout period
C. Latency period
D. Donut hole - ....ANSWER...D. Donut hole
,Once the initial benefit limit is reached, a gap called a
"donut hole" occurs, in which the beneficiary is responsible
for a portion of prescription drug costs.
Which of the following statements is NOT correct?
A. Medicare Part B provides physician services.
B. Medicare Advantage must be provided through HMOs.
C. Medicare Advantage may include prescription drug
coverage at no cost
D. Medicare Part A provides hospital care. -
....ANSWER...B. Medicare Advantage must be provided
through HMOs.
Medicare Part A provides hospital care; Medicare Part B
provides doctors and physician services, and Medicare
,Advantage (previously Medicare+Choice) offers expanded
benefits for a fee through private health insurance
programs such as HMOs and PPOs.
If one takes Social Security retirement benefits at age 62,
what needs to be done at age 65 to qualify for Medicare?
A. Apply for coverage through the state
B. Appear for a physical at the Social Security office
C. Apply at a local Social Security office
D. Nothing - ....ANSWER...D. Nothing
Nothing needs to be done in this case. Medicare Part A
and B will automatically be effective the month you turn
65.
When can a Long-Term Care policy deny a claim for losses
incurred because of a pre-existing condition?
, A. At no time
B. Within 6 months of the effective date of coverage
C. Within 12 months of the effective date of coverage
D. At any time - ....ANSWER...B. Within 6 months of the
effective date of coverage
A long-term care policy cannot deny a claim for losses
incurred more than 6 months from the effective date of
coverage because of a pre-existing condition.
According to OBRA, what is the minimum number of
employees required to constitute a large group?
A. 100
B. 15
