PROMETRIC TEST PREP EXAM PRACTICE
ASSESSMENT 2026 FULL QUESTIONS AND
ANSWERS GRADED A PLUS COMPLETE
REVISION GUIDE 350 ITEMS
◉ If an individual filed a claim under two individual health
insurance policies issued by the same insurer, the insurer might
return:
Answer: The premium amount paid for coverage, which would cause
combined benefits to exceed a maximum benefit amount
◉ An employee, spouse, and two children are covered under a group
health policy. How many certificates of insurance are issued to the
family?
Answer: One
◉ Concurrent review is a form of utilization review that is
performed:
Answer: During the course of the patient's treatment
◉ Medicaid is funded by state governments and by:
Answer: The Federal government
,◉ Which statement is correct in regard to a disability income policy
with a 60-day elimination period?
Answer: The insured will be eligible to receive benefits beginning on
the 61st day of disability.
◉ Medical expense insurance typically EXCLUDES coverage for:
Answer: Cosmetic Surgery
◉ In health insurance, initial notice about a potential claim:
Answer: May be required within a short time period
◉ Long-term care policies may require all of the following before
paying benefits EXCEPT:
Answer: Prior hospitalization
◉ A health maintenance organization (HMO) usually provides all of
the following inpatient hospital services EXCEPT:
Answer: Payment for convenience items
◉ All of the following statements about HMOs are true EXCEPT:
Answer: Employees of nonprofit organizations are prohibited from
enrolling in HMOs .
, ◉ When a group health insurance contract covers employees in
more than one state, the criteria for determining in which state the
contract may be delivered includes any of the following EXCEPT:
Answer: Where the insurance company is incorporated
◉ In group health insurance, a group with a high average age usually
has:
Answer: Above average total health claims
◉ A producer or agent who negligently replaces health insurance for
a client creates potential liability for:
Answer: Errors and omissions
◉ 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?
Answer: To prevent the insured from receiving a benefit amount
which might make becoming disabled financially attractive
◉ As evidence of group health insurance coverage, participants
receive:
Answer: A certificate of insurance
ASSESSMENT 2026 FULL QUESTIONS AND
ANSWERS GRADED A PLUS COMPLETE
REVISION GUIDE 350 ITEMS
◉ If an individual filed a claim under two individual health
insurance policies issued by the same insurer, the insurer might
return:
Answer: The premium amount paid for coverage, which would cause
combined benefits to exceed a maximum benefit amount
◉ An employee, spouse, and two children are covered under a group
health policy. How many certificates of insurance are issued to the
family?
Answer: One
◉ Concurrent review is a form of utilization review that is
performed:
Answer: During the course of the patient's treatment
◉ Medicaid is funded by state governments and by:
Answer: The Federal government
,◉ Which statement is correct in regard to a disability income policy
with a 60-day elimination period?
Answer: The insured will be eligible to receive benefits beginning on
the 61st day of disability.
◉ Medical expense insurance typically EXCLUDES coverage for:
Answer: Cosmetic Surgery
◉ In health insurance, initial notice about a potential claim:
Answer: May be required within a short time period
◉ Long-term care policies may require all of the following before
paying benefits EXCEPT:
Answer: Prior hospitalization
◉ A health maintenance organization (HMO) usually provides all of
the following inpatient hospital services EXCEPT:
Answer: Payment for convenience items
◉ All of the following statements about HMOs are true EXCEPT:
Answer: Employees of nonprofit organizations are prohibited from
enrolling in HMOs .
, ◉ When a group health insurance contract covers employees in
more than one state, the criteria for determining in which state the
contract may be delivered includes any of the following EXCEPT:
Answer: Where the insurance company is incorporated
◉ In group health insurance, a group with a high average age usually
has:
Answer: Above average total health claims
◉ A producer or agent who negligently replaces health insurance for
a client creates potential liability for:
Answer: Errors and omissions
◉ 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?
Answer: To prevent the insured from receiving a benefit amount
which might make becoming disabled financially attractive
◉ As evidence of group health insurance coverage, participants
receive:
Answer: A certificate of insurance
