FLORIDA 2-40 HEALTH LICENSE EXAM QUESTIONS WITH WELL
DETAILED AND CONFIRMED ANSWERS | NEW 2025 - 2026 UPDATES
owners rights - CORRECT ANSWER -if an individual health
insurance policy provides a death benefit, the policyowner will be able to
designate a beneficiary and, unless the beneficiary designation is irrevocable,
to change the beneficiary. the power to change the beneficiary is provided in
the change of beneficiary provision. the policyowner also has the right to make
any other change without the consent of the beneficiaries.
dependent children benefits - CORRECT ANSWER -the group
coverage may be extended to cover the insureds dependents. eligible
dependents include the insureds children, spouse, dependent parents, and
anyone else upon which dependency can be proven.
every policy providing coverage for a dependent child until a specified age will
not terminate that coverage if the child is dependent upon the insured and is
incapable of self support because of physical or mental handicaps. proof of the
dependency is required within 31 days of the child attaining the maximum
age. upon request, proof of dependency is required annually after a 2 year
period following attainment of maximum age
modes of premium payment - CORRECT ANSWER -higher frequency
of payments = higher premium payments
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, nonduplication and coordination of benefits - CORRECT ANSWER -
the purpose of the coordination of benefits (COB) provision, found only in
group health plans, is to avoid duplication of benefit payments and
overinsurance when an individual is covered under multiple group health
insurance plans. the provision limits the total amount of claims paid from all
insurers covering the patient to no more than the total allowable medical
expenses
primary plan - CORRECT ANSWER -the plan that is responsible for
providing the full benefit amounts as it specifies.
secondary or excess plan - CORRECT ANSWER -once the primary
plan has paid its full promised benefit, the insured submits the claim to the
secondary provider for any additional benefits payable (including deductibles
and coinsurance). in no case will the total amount the insured receives exceed
the costs incurred or the total maximum benefits available under all plans.
loss - CORRECT ANSWER -amount covered by primary plan =
amount covered by secondary plan
occupational coverage - CORRECT ANSWER -provides benefits for
illness, injury or disability resulting from accidents that occur on or off the job
nonoccupational coverage - CORRECT ANSWER -only covers claims
that result from accidents or sickness occurring off the job
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DETAILED AND CONFIRMED ANSWERS | NEW 2025 - 2026 UPDATES
owners rights - CORRECT ANSWER -if an individual health
insurance policy provides a death benefit, the policyowner will be able to
designate a beneficiary and, unless the beneficiary designation is irrevocable,
to change the beneficiary. the power to change the beneficiary is provided in
the change of beneficiary provision. the policyowner also has the right to make
any other change without the consent of the beneficiaries.
dependent children benefits - CORRECT ANSWER -the group
coverage may be extended to cover the insureds dependents. eligible
dependents include the insureds children, spouse, dependent parents, and
anyone else upon which dependency can be proven.
every policy providing coverage for a dependent child until a specified age will
not terminate that coverage if the child is dependent upon the insured and is
incapable of self support because of physical or mental handicaps. proof of the
dependency is required within 31 days of the child attaining the maximum
age. upon request, proof of dependency is required annually after a 2 year
period following attainment of maximum age
modes of premium payment - CORRECT ANSWER -higher frequency
of payments = higher premium payments
Page 1 of 8
, nonduplication and coordination of benefits - CORRECT ANSWER -
the purpose of the coordination of benefits (COB) provision, found only in
group health plans, is to avoid duplication of benefit payments and
overinsurance when an individual is covered under multiple group health
insurance plans. the provision limits the total amount of claims paid from all
insurers covering the patient to no more than the total allowable medical
expenses
primary plan - CORRECT ANSWER -the plan that is responsible for
providing the full benefit amounts as it specifies.
secondary or excess plan - CORRECT ANSWER -once the primary
plan has paid its full promised benefit, the insured submits the claim to the
secondary provider for any additional benefits payable (including deductibles
and coinsurance). in no case will the total amount the insured receives exceed
the costs incurred or the total maximum benefits available under all plans.
loss - CORRECT ANSWER -amount covered by primary plan =
amount covered by secondary plan
occupational coverage - CORRECT ANSWER -provides benefits for
illness, injury or disability resulting from accidents that occur on or off the job
nonoccupational coverage - CORRECT ANSWER -only covers claims
that result from accidents or sickness occurring off the job
Page 2 of 8
