NC - Health Insurance - Practice Exam Questions/ with
Certified Solutions.
Terms in this set (73)
All of the following are true B) Benefits are taxable to the employer.
regarding Key
Employee Disability Key person disability income premiums are not
Income insurance EXCEPT deductible to the business, but the benefits are
received income tax free by the business.
A) Premiums are not
taxdeductible for the
employer.
B) Benefits are taxable
tothe employer.
C) The employer owns
thepolicy.
D) Benefits are paid to
theemployer to retrain a new
person.
,How is emergency care A. A member of an HMO can receive care in or out of the
covered for a member of an HMO service area, but care is preferred in the service area.
HMO?
Emergency care must be provided for the member in or out
A) A member of an of the HMO's service area. If emergency care is being
provided for a member outside the service area, the HMO
HMOcan receive care in or
will be eager to get the member back into the service area
out of the HMO service so that care can be provided by salaried member physicians.
area, but care is preferred in
the service area.
B) A member of an
HMOmay receive care at any
emergency facility, at the
same cost as if in his or her
own service area.
C) HMOs have
salariedmember physicians,
but they do not cover
emergency care.
D) An HMO emergency
specialist will cover the
patient.
After appointing an agent, B) 30 days
how long does an insurer
have to file with the Insurers have 30 days to file, in a form prescribed by the
Commissioner, the names, addresses, and other information
Commissioner the form
required by the Commissioner for its newly appointed
detailing the agent's name, agents.
address, and other needed
information?
A) 15 days
B) 30 days
C) 45 days
D) 60 days
,Bethany studies in None
England for a semester. While
she is there, she is involved in
a train accident that leaves
her disabled. If Bethany owns
a general disability policy,
what will be the extent of
benefits that she receives?
a)Present earnings and earnings prior to disability
Which of the following are
the main factors taken into Residual disability will help pay for loss of earnings by
making up the difference between the employee's present
account when calculating
earnings and what they were earning prior to disability.
residual disability benefits?
a)Present earnings and
earnings prior to disability
b)Earnings prior to disability
and the length of disability
c)Employee's full-time
status and length of
disability
d)Present earnings and
standard cost of living
, How can a new physician be d)Agree to follow the PPO standards and charge the appropriate
added to the PPO's fees.
approved list?
Any physician or hospital that qualifies for and agrees to
a)Fill out the appropriate follow the PPO's standards and charges the established fees
can be added to the PPO's approved list at any time. The
paperwork and wait the 12
providers may withdraw their name from the list at any time,
month pre-certification as well.
period.
b)Pay an annual fee for being
on the PPO list.
c)New physicians are only
added once a year, and are
selected by the PPO's Board
of Directors.
d)Agree to follow the PPO
standards and charge the
appropriate fees.
Under the uniform required a)90 days of a loss.
provisions, proof of loss
under a health insurance Under the Uniform Required Provisions, proof of loss
under a health insurance policy normally should be filed
policy normally should be
within 90 days of a loss.
filed within
a) 90 days of a loss.
b) 20 days of a loss.
c) 30 days of a loss.
d) 60 days of a loss.
Certified Solutions.
Terms in this set (73)
All of the following are true B) Benefits are taxable to the employer.
regarding Key
Employee Disability Key person disability income premiums are not
Income insurance EXCEPT deductible to the business, but the benefits are
received income tax free by the business.
A) Premiums are not
taxdeductible for the
employer.
B) Benefits are taxable
tothe employer.
C) The employer owns
thepolicy.
D) Benefits are paid to
theemployer to retrain a new
person.
,How is emergency care A. A member of an HMO can receive care in or out of the
covered for a member of an HMO service area, but care is preferred in the service area.
HMO?
Emergency care must be provided for the member in or out
A) A member of an of the HMO's service area. If emergency care is being
provided for a member outside the service area, the HMO
HMOcan receive care in or
will be eager to get the member back into the service area
out of the HMO service so that care can be provided by salaried member physicians.
area, but care is preferred in
the service area.
B) A member of an
HMOmay receive care at any
emergency facility, at the
same cost as if in his or her
own service area.
C) HMOs have
salariedmember physicians,
but they do not cover
emergency care.
D) An HMO emergency
specialist will cover the
patient.
After appointing an agent, B) 30 days
how long does an insurer
have to file with the Insurers have 30 days to file, in a form prescribed by the
Commissioner, the names, addresses, and other information
Commissioner the form
required by the Commissioner for its newly appointed
detailing the agent's name, agents.
address, and other needed
information?
A) 15 days
B) 30 days
C) 45 days
D) 60 days
,Bethany studies in None
England for a semester. While
she is there, she is involved in
a train accident that leaves
her disabled. If Bethany owns
a general disability policy,
what will be the extent of
benefits that she receives?
a)Present earnings and earnings prior to disability
Which of the following are
the main factors taken into Residual disability will help pay for loss of earnings by
making up the difference between the employee's present
account when calculating
earnings and what they were earning prior to disability.
residual disability benefits?
a)Present earnings and
earnings prior to disability
b)Earnings prior to disability
and the length of disability
c)Employee's full-time
status and length of
disability
d)Present earnings and
standard cost of living
, How can a new physician be d)Agree to follow the PPO standards and charge the appropriate
added to the PPO's fees.
approved list?
Any physician or hospital that qualifies for and agrees to
a)Fill out the appropriate follow the PPO's standards and charges the established fees
can be added to the PPO's approved list at any time. The
paperwork and wait the 12
providers may withdraw their name from the list at any time,
month pre-certification as well.
period.
b)Pay an annual fee for being
on the PPO list.
c)New physicians are only
added once a year, and are
selected by the PPO's Board
of Directors.
d)Agree to follow the PPO
standards and charge the
appropriate fees.
Under the uniform required a)90 days of a loss.
provisions, proof of loss
under a health insurance Under the Uniform Required Provisions, proof of loss
under a health insurance policy normally should be filed
policy normally should be
within 90 days of a loss.
filed within
a) 90 days of a loss.
b) 20 days of a loss.
c) 30 days of a loss.
d) 60 days of a loss.
