NJ Laws, Rules & Regulations Pertinent to Accident &
Health Insurance Only | Actual Exam Questions & 100%
Correct Answers | Latest Update 2026 | Exam Prep
1. No legal action can be initiated within after proof of loss has been
submitted to the insurance company
30 days
90 days
60 days
120 days
2. Which statement is true about minimum standards for Medicare supplement
policies?
Policies cannot exclude benefits for losses that were incurred more
than 12 months from the date the coverage became effective due to a
pre-existing condition.
A spouse's coverage may be canceled solely on grounds of the
deterioration of health.
Medicare supplement policies may duplicate benefits provided by
Medicare.
The issuer cannot cancel or not renew a Medicare supplement
policy for any reason other than nonpayment of premium or
material misrepresentation.
3. What is the minimum number of home health care visits mandated by New
Jersey regulations per year?
52 visits
78 visits
, 104 visits
26 visits
4. What is the primary alternative to the state plan that employers can establish
under NJ regulations?
Temporary plan
Federal plan
State plan
Private plan
5. If a New Jersey employer decides to implement a private plan instead of the
state plan, what must they ensure regarding compliance?
The private plan must be approved by the federal government.
The private plan must comply with NJ regulations.
The private plan should only cover employees with more than 10
years of service.
The private plan can ignore state regulations.
6. What is the maximum number of years after the written proof of loss is
required that legal action can be initiated?
5 years
3 years
10 years
6 years
7. Describe the implications of the 6-month limitation on claims for Medicare
supplement policies in New Jersey.
, The 6-month limitation applies only to claims related to hospitalization.
The 6-month limitation is a guideline for insurers to follow but is not
enforceable.
The 6-month limitation means that claims for losses incurred after
this period cannot be denied or limited based on pre-existing
conditions.
The 6-month limitation allows insurers to deny all claims made after
this period.
8. In a 12 month period, how many home health care visits must a health
insurance policy provide for:
60
90
120
30
9. What is the duration of the free-look period for Medicare supplement
policies in New Jersey?
30 days
15 days
10 days
20 days
10. Medicare is designed to serve:
institutionalized persons.
low-income older adults.
Health Insurance Only | Actual Exam Questions & 100%
Correct Answers | Latest Update 2026 | Exam Prep
1. No legal action can be initiated within after proof of loss has been
submitted to the insurance company
30 days
90 days
60 days
120 days
2. Which statement is true about minimum standards for Medicare supplement
policies?
Policies cannot exclude benefits for losses that were incurred more
than 12 months from the date the coverage became effective due to a
pre-existing condition.
A spouse's coverage may be canceled solely on grounds of the
deterioration of health.
Medicare supplement policies may duplicate benefits provided by
Medicare.
The issuer cannot cancel or not renew a Medicare supplement
policy for any reason other than nonpayment of premium or
material misrepresentation.
3. What is the minimum number of home health care visits mandated by New
Jersey regulations per year?
52 visits
78 visits
, 104 visits
26 visits
4. What is the primary alternative to the state plan that employers can establish
under NJ regulations?
Temporary plan
Federal plan
State plan
Private plan
5. If a New Jersey employer decides to implement a private plan instead of the
state plan, what must they ensure regarding compliance?
The private plan must be approved by the federal government.
The private plan must comply with NJ regulations.
The private plan should only cover employees with more than 10
years of service.
The private plan can ignore state regulations.
6. What is the maximum number of years after the written proof of loss is
required that legal action can be initiated?
5 years
3 years
10 years
6 years
7. Describe the implications of the 6-month limitation on claims for Medicare
supplement policies in New Jersey.
, The 6-month limitation applies only to claims related to hospitalization.
The 6-month limitation is a guideline for insurers to follow but is not
enforceable.
The 6-month limitation means that claims for losses incurred after
this period cannot be denied or limited based on pre-existing
conditions.
The 6-month limitation allows insurers to deny all claims made after
this period.
8. In a 12 month period, how many home health care visits must a health
insurance policy provide for:
60
90
120
30
9. What is the duration of the free-look period for Medicare supplement
policies in New Jersey?
30 days
15 days
10 days
20 days
10. Medicare is designed to serve:
institutionalized persons.
low-income older adults.
