Arizona Life & Health Insurance test part 2 -- Health, Medicare, etc.(100% Correct)

a health exclusion rider - ANSWERThe disability income policy most likely to have been issued on a substandard basis is non-cancelable with what? Same rates are charged for individual and group plans in the same geographical area - ANSWERHow does community rating for underwriting purposes determined? point-of-service (POS) - ANSWERA plan which combines indemnity plan features with those of an HMO Large Group rating - ANSWERExperience rating. he may be reimbursed for surgical procedure at a reduced benefit level - ANSWERInsured disregarded an accident and health insurance policy provision that requires him to seek a second surgical option, Containment of the employer's premium cost. - ANSWERWhat does a Mandatory Second Surgical Opinion provision provide to an employer-paid health insurance plan? 1. issuing policy, declining policies, excluding a particular health condition from coverage - ANSWERBasic underwriting action for accident and health insurance NO FEDERAL TAXES AFTER CLAIM - ANSWERAccidental Death, Blanket Health and Major Medical (only will the Disability Income be taxed federally after a claim) Disability Income insurance policy - ANSWERwas recently issued with a rating which means policyowner will be charged an addition premium. Corporation paying for group disability income coverage for its employees. - ANSWERIn what situation would disability income insurance premiums be a deductible expense? The length of time spent in the hospital is monitored. - ANSWERWhich of these result of concurrent review ? A review of the insured's ability to perform the activities of daily living. -