Pearson Vue Health Insurance Practice Test
Pearson Vue Health Insurance Practice Test
with Answers Latest
Question 1
Charges for which of the following items is NOT considered a covered expense under
a Medicare Supplement policy (Part B)?
Correct Answer
Dental services
Question 2
Health insurance policies are offered on a "take it or leave it" basis and referred to as
which of the following types of contracts?
Correct Answer
Contracts of Adhesion
Question 3
Under the Claims Forms provision of a health policy, if the insurance company fails to
send claim forms within the time period required, the insured should:
Correct Answer
Submit the claim in any form, which must be accepted by the company as adequate
proof of loss
Question 4
In an Accidental Death and Dismemberment (AD&D) policy, capital sum refers to:
Correct Answer
A lump sum payment made for an accidental dismemberment
Page 1 of 38
, Pearson Vue Health Insurance Practice Test
Question 5
The Coordination of Benefits clause found in group health master contracts is used to:
Correct Answer
Avoid double payment of benefits to an insured who has duplicate group coverages
Question 6
Which of the following definitions MOST accurately describes the Probationary
Period?
Correct Answer
The waiting period a new hire must satisfy prior to becoming eligible for group
health coverage
Question 7
A Health Maintenance Organization (HMO) differs from a traditional insurer in that an
HMO:
Correct Answer
Emphasizes preventive medicine
Question 8
A married insured has an Accidental Death and Dismemberment (AD&D) policy that
names their sibling as the primary beneficiary and their child as the contingent
beneficiary. If the insured and their sibling are both killed instantly in a train accident,
the policy proceeds would be paid to which of the following?
Correct Answer
The insured's child
Question 9
The Social Security program provides all of the following benefits EXCEPT:
Correct Answer
Workers compensation
Page 2 of 38
, Pearson Vue Health Insurance Practice Test
Question 10
Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right
to:
Correct Answer
Increase the premium rate for an entire class of insureds
Question 11
A Disability Income policy may provide benefits for which of the following losses?
Correct Answer
Residual Disability
Question 12
Which of the following statements about the Medicare program is CORRECT?
Correct Answer
It is a federally sponsored program.
Question 13
A child has a physical impairment, attends school, and is incapable of self-sustaining
employment and/or self care. Which of the following statements is CORRECT about
the child's medical coverage under their parent's group plan?
Correct Answer
The child's coverage continues as long as they are continually incapacitated and
financially dependent on their parent.
Question 14
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of the
following policy features?
Correct Answer
Exclusions
Page 3 of 38
, Pearson Vue Health Insurance Practice Test
Question 15
The PRIMARY purpose of Medicaid is to:
Correct Answer
Provide Medical Expense coverage to persons below certain minimum income
requirements
Question 16
Which of the following provisions designates to whom claim payments are made?
Correct Answer
Payment of Claims
Question 17
Under an Accidental Death and Dismemberment (AD&D) policy, insurable interest
must exist at which of the following times?
Correct Answer
At the inception of the policy
Question 18
When periodic claim payments are required under a long-term disability income
policy, an insurer MUST make payments to an insured at least once every:
Correct Answer
Month
Question 19
A 68 year-old employee that is covered by a group medical insurance plan has
medical expenses. The employee's company health plan is the:
Correct Answer
Secondary payor
Page 4 of 38
Pearson Vue Health Insurance Practice Test
with Answers Latest
Question 1
Charges for which of the following items is NOT considered a covered expense under
a Medicare Supplement policy (Part B)?
Correct Answer
Dental services
Question 2
Health insurance policies are offered on a "take it or leave it" basis and referred to as
which of the following types of contracts?
Correct Answer
Contracts of Adhesion
Question 3
Under the Claims Forms provision of a health policy, if the insurance company fails to
send claim forms within the time period required, the insured should:
Correct Answer
Submit the claim in any form, which must be accepted by the company as adequate
proof of loss
Question 4
In an Accidental Death and Dismemberment (AD&D) policy, capital sum refers to:
Correct Answer
A lump sum payment made for an accidental dismemberment
Page 1 of 38
, Pearson Vue Health Insurance Practice Test
Question 5
The Coordination of Benefits clause found in group health master contracts is used to:
Correct Answer
Avoid double payment of benefits to an insured who has duplicate group coverages
Question 6
Which of the following definitions MOST accurately describes the Probationary
Period?
Correct Answer
The waiting period a new hire must satisfy prior to becoming eligible for group
health coverage
Question 7
A Health Maintenance Organization (HMO) differs from a traditional insurer in that an
HMO:
Correct Answer
Emphasizes preventive medicine
Question 8
A married insured has an Accidental Death and Dismemberment (AD&D) policy that
names their sibling as the primary beneficiary and their child as the contingent
beneficiary. If the insured and their sibling are both killed instantly in a train accident,
the policy proceeds would be paid to which of the following?
Correct Answer
The insured's child
Question 9
The Social Security program provides all of the following benefits EXCEPT:
Correct Answer
Workers compensation
Page 2 of 38
, Pearson Vue Health Insurance Practice Test
Question 10
Under a Guaranteed Renewable Accident & Health policy, an insurer retains the right
to:
Correct Answer
Increase the premium rate for an entire class of insureds
Question 11
A Disability Income policy may provide benefits for which of the following losses?
Correct Answer
Residual Disability
Question 12
Which of the following statements about the Medicare program is CORRECT?
Correct Answer
It is a federally sponsored program.
Question 13
A child has a physical impairment, attends school, and is incapable of self-sustaining
employment and/or self care. Which of the following statements is CORRECT about
the child's medical coverage under their parent's group plan?
Correct Answer
The child's coverage continues as long as they are continually incapacitated and
financially dependent on their parent.
Question 14
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of the
following policy features?
Correct Answer
Exclusions
Page 3 of 38
, Pearson Vue Health Insurance Practice Test
Question 15
The PRIMARY purpose of Medicaid is to:
Correct Answer
Provide Medical Expense coverage to persons below certain minimum income
requirements
Question 16
Which of the following provisions designates to whom claim payments are made?
Correct Answer
Payment of Claims
Question 17
Under an Accidental Death and Dismemberment (AD&D) policy, insurable interest
must exist at which of the following times?
Correct Answer
At the inception of the policy
Question 18
When periodic claim payments are required under a long-term disability income
policy, an insurer MUST make payments to an insured at least once every:
Correct Answer
Month
Question 19
A 68 year-old employee that is covered by a group medical insurance plan has
medical expenses. The employee's company health plan is the:
Correct Answer
Secondary payor
Page 4 of 38
