LOUISIANA LIFE AND HEALTH INSURANCE EXAM
NEWEST 2025 WITH 300+ Complete Questions And
Correct Detailed Answers (Verified Answers)|Already
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According to OBRA, what is the minimum number of employees required to constitute a large
group?
A. 100
B. 15
C. 20
D. 50
A. 100
There must be at least 100 employees in order to qualify for OBRA large-group status. The act
states that plans must provide primary coverage for disabled individuals under age 65 who are
not retired.
OBRA requires which disease to be covered by an employer for 30 months before Medicare
becomes the primary mode of coverage?
A. End-stage renal failure
B. Black lung
C. Leukemia
D. End-stage heart failure
,A. End-stage renal failure
OBRA requires end-stage kidney (renal) failure to be covered by an employer for 30 months
before Medicare becomes the primary mode of coverage.
Prior to issuance of a Long-Term Care policy to an applicant age 80 or older, the insurer must
obtain all of the following EXCEPT
A. Date of previous doctor visit.
B. Report of a physical examination or assessment of functional capacity.
C. Attending physician's report.
D. Copies of medical records.
A. Date of previous doctor visit.
An insurer must obtain a report of a physical exam, the attending physician's report, and copies
of medical records.
Which of the following statements is true regarding LTC insurance?
A. LTC policies must allow a 60-day free-look period.
B. Every policy must offer nonforfeiture benefits to the applicant.
C. Every policy must offer reduced paid-up insurance to the applicant.
D. LTC policies may not include any riders.
B. Every policy must offer nonforfeiture benefits to the applicant.
Long-term care policies or certificates issued or delivered in this state must offer to the
applicant nonforfeiture benefits. Reduced paid-up insurance is one of the possible nonforfeiture
options, but it is not necessarily required. LTC policies may contain riders, and must offer a 30-
day free-look period.
Who must sign the notice regarding replacement?
,A. Applicant only
B. Agent only
C. Both the applicant and agent
D. Both the agent and the insurer
C. Both the applicant and agent
Before issuing a replacement policy, the insurer must furnish the applicant with a notice
regarding replacement, which must be signed by both the applicant and the agent.
Which of the following is NOT an enrollment period for Medicare Part A applicants?
A. Automatic enrollment
B. Initial enrollment
C. Special enrollment
D. General enrollment
A. Automatic enrollment
There are 3 types of enrollment periods for Medicare Part A: initial enrollment period, general
enrollment period and special enrollment period.
Which of the following statements is NOT true concerning Medicaid?
A. It consists of 3 parts: Part A: hospitalization, Part B: doctor's services, Part C: disability
income.
B. It is a state program.
C. It is funded by state and federal taxes.
D. It is intended to provide medical assistance for certain categories of people who are needy.
, A. It consists of 3 parts: Part A: hospitalization, Part B: doctor's services, Part C: disability
income.
Medicaid is a state program funded by state and federal taxes that provide medical care for the
needy. Parts A-C are part of Medicare.
Medicare Part A services do NOT include which of the following?
A. Outpatient Hospital Treatment
B. Post hospital Skilled Nursing Facility Care
C. Hospitalization
D. Hospice Care
A. Outpatient Hospital Treatment
Outpatient treatment is covered under Part B.
All of the following statements concerning Medicaid are correct EXCEPT
A. Individual states design and administer the Medicaid program under broad guidelines
established by the federal government.
B. Individuals claiming benefits must prove they do not have the ability or means to pay for
their own medical care.
C. Persons, at least 65 years of age, who are blind or disabled and financially unable to pay,
may qualify for Medicaid Nursing Home Benefits.
D. Medicaid is a state funded program that provides health care to persons over age 65, only.
D. Medicaid is a state funded program that provides health care to persons over age 65, only.
Medicaid is a government funded (both state and federal) program designed to provide health
care to poor people of all ages.
What is necessary in order to be eligible to receive benefits from a long-term care policy?
NEWEST 2025 WITH 300+ Complete Questions And
Correct Detailed Answers (Verified Answers)|Already
Graded A+||BRAND NEW!!
According to OBRA, what is the minimum number of employees required to constitute a large
group?
A. 100
B. 15
C. 20
D. 50
A. 100
There must be at least 100 employees in order to qualify for OBRA large-group status. The act
states that plans must provide primary coverage for disabled individuals under age 65 who are
not retired.
OBRA requires which disease to be covered by an employer for 30 months before Medicare
becomes the primary mode of coverage?
A. End-stage renal failure
B. Black lung
C. Leukemia
D. End-stage heart failure
,A. End-stage renal failure
OBRA requires end-stage kidney (renal) failure to be covered by an employer for 30 months
before Medicare becomes the primary mode of coverage.
Prior to issuance of a Long-Term Care policy to an applicant age 80 or older, the insurer must
obtain all of the following EXCEPT
A. Date of previous doctor visit.
B. Report of a physical examination or assessment of functional capacity.
C. Attending physician's report.
D. Copies of medical records.
A. Date of previous doctor visit.
An insurer must obtain a report of a physical exam, the attending physician's report, and copies
of medical records.
Which of the following statements is true regarding LTC insurance?
A. LTC policies must allow a 60-day free-look period.
B. Every policy must offer nonforfeiture benefits to the applicant.
C. Every policy must offer reduced paid-up insurance to the applicant.
D. LTC policies may not include any riders.
B. Every policy must offer nonforfeiture benefits to the applicant.
Long-term care policies or certificates issued or delivered in this state must offer to the
applicant nonforfeiture benefits. Reduced paid-up insurance is one of the possible nonforfeiture
options, but it is not necessarily required. LTC policies may contain riders, and must offer a 30-
day free-look period.
Who must sign the notice regarding replacement?
,A. Applicant only
B. Agent only
C. Both the applicant and agent
D. Both the agent and the insurer
C. Both the applicant and agent
Before issuing a replacement policy, the insurer must furnish the applicant with a notice
regarding replacement, which must be signed by both the applicant and the agent.
Which of the following is NOT an enrollment period for Medicare Part A applicants?
A. Automatic enrollment
B. Initial enrollment
C. Special enrollment
D. General enrollment
A. Automatic enrollment
There are 3 types of enrollment periods for Medicare Part A: initial enrollment period, general
enrollment period and special enrollment period.
Which of the following statements is NOT true concerning Medicaid?
A. It consists of 3 parts: Part A: hospitalization, Part B: doctor's services, Part C: disability
income.
B. It is a state program.
C. It is funded by state and federal taxes.
D. It is intended to provide medical assistance for certain categories of people who are needy.
, A. It consists of 3 parts: Part A: hospitalization, Part B: doctor's services, Part C: disability
income.
Medicaid is a state program funded by state and federal taxes that provide medical care for the
needy. Parts A-C are part of Medicare.
Medicare Part A services do NOT include which of the following?
A. Outpatient Hospital Treatment
B. Post hospital Skilled Nursing Facility Care
C. Hospitalization
D. Hospice Care
A. Outpatient Hospital Treatment
Outpatient treatment is covered under Part B.
All of the following statements concerning Medicaid are correct EXCEPT
A. Individual states design and administer the Medicaid program under broad guidelines
established by the federal government.
B. Individuals claiming benefits must prove they do not have the ability or means to pay for
their own medical care.
C. Persons, at least 65 years of age, who are blind or disabled and financially unable to pay,
may qualify for Medicaid Nursing Home Benefits.
D. Medicaid is a state funded program that provides health care to persons over age 65, only.
D. Medicaid is a state funded program that provides health care to persons over age 65, only.
Medicaid is a government funded (both state and federal) program designed to provide health
care to poor people of all ages.
What is necessary in order to be eligible to receive benefits from a long-term care policy?
