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Aflac Insurance Terms #4 (part 2) Questions with 100% Correct Answers | Verified | Latest Update

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Aflac Insurance Terms #4 (part 2) Questions with 100% Correct Answers | Verified | Latest Update

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Aflac Insurance Terms #4 (part 2)
Questions with 100% Correct Answers |
Verified | Latest Update

WaitingiPeriodi-iCorrectiAnswer-
aiperiodiofitimei(ofteni12imonths)ibeginningiwithiyourieffectiveidateidu
ringiwhichiyourihealthiinsuranceiplanidoesinotiprovideibenefitsiforipre-
existingiconditions.iThisiperiodimayibeireducedioriwaivedibasedionianyi
priorihealthicareicoverageiyouihadibeforeiapplyingiforiyourinewihealthii
nsuranceiplan.


ProbationaryiPeriodi-iCorrectiAnswer-
aispecifiedinumberiofidaysiafterianiinsuranceipolicy'siissueidateiduringi
whichicoverageiisinotiaffordediforisickness.iStandardipracticeiforigroupi
coveragesiasiwelliasidisabilityicoverage.iTheiprobationaryiperioditypical
lyidoesiNOTiapplyitoiaccidents.iTheirealigoaliofithisiprovisioniisitoiprohibi
tipeopleifromibuyingiinsuranceionlyiwhenitheyineediitiandiimmediatelyi
fillingiaiclaim,iotherwiseiknowniasiadverseiselection.


HealthiInsuranceiPortabilityiandiAccountabilityiActi(HIPAA)i-
iCorrectiAnswer-

providesitheiabilityitoitransferiandicontinueihealthiinsuranceicoverageif
orimillionsiofiAmericaniworkersianditheirifamiliesiwhenitheyichangeioril
oseitheirijobs.iTheiHIPAAiPrivacyiRuleiprovidesifederaliprotectioniforiani
individual'sihealthiinformationiandigivesipatientsianiarrayiofirightsiwithi
respectitoithatiinformation.iTheiHIPAAiSecurityiRuleiprovidesitechnicalis

, afeguardsitoiassureitheiconfidentiality,iintegrity,iandiavailabilityiofielect
roniciprotectedihealthiinformation.


ConversioniPrivilegei-iCorrectiAnswer-
allowsiaipolicyiowner,ibeforeianioriginaliinsuranceipolicyiexpires,itoielec
titoihaveiainewipolicyiissuedithatiwillicontinueitheiinsuranceicoverage.iC
onversionimayibeieffectediatiattainediagei(premiumsibasedionitheiageia
ttainediatitimeioficonversion)ioriatioriginaliagei(premiumsibasedioniagei
atitimeiofioriginaliissue).iConversioniisiaicommoniprivilegeiforitermilifeii
nsuranceiandialligroupiinsurance.iTheiinsuredidoesinotihaveitoiproveiins
urabilityi(goodihealth)iwheniconvertingiaipolicy.


Preexistingiconditionsi-iCorrectiAnswer-
aniillnessiorimedicaliconditionithatiexistedibeforeiaipolicy'sieffectiveidat
e;iusuallyiexcludedifromicoverage,ithroughitheipolicy'sistandardiprovisi
onsioribyiwaiver.iUnderiHIPAA,iareidefinediasihealthiissuesithatiexisted,i
wereitreated,ioridiagnosediwithini6imonthsiprioritoiemployment.


Anienrollee'sipre-iexistingiconditionsiforiaihealthibenefitiplani-
iCorrectiAnswer-

mayibeiexcludediforiupitoi12imonthsi(18imonthsiforilateienrollees).iAilat
eienrolleeiisianiindividualiwhoielectsicoverageiafteritheiinitialieligibilityi
period.


CreditableiCoveragei-iCorrectiAnswer-
previousicoverageiunderianotheriinsuranceiplaniwhenithereihasinotibee
niaibreakiinicoverageiofi63idays.iAniindividual'siwaitingiperiodiforipre-

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