For any academic assistance email @
Florida 2-40 health license Exam
Comprehensive Questions (Frequentl
Tes ed) with Verified Answers Graded A+
1.owners rights: 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.
2.dependent children benefits: 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
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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
3.modes of premium payment: higher frequency of payments = higher premium
payments
4.nonduplication and coordination of benefits: 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 5. primary
plan: the plan that is responsible for providing the full benefit amounts as it specifies.
6. secondary or excess plan: 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.
2/9
Florida 2-40 health license Exam
Comprehensive Questions (Frequentl
Tes ed) with Verified Answers Graded A+
1.owners rights: 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.
2.dependent children benefits: 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
1/9
, For any academic assistance email @
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
3.modes of premium payment: higher frequency of payments = higher premium
payments
4.nonduplication and coordination of benefits: 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 5. primary
plan: the plan that is responsible for providing the full benefit amounts as it specifies.
6. secondary or excess plan: 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.
2/9
