North Carolina Health Insurance State
Exam 2026 Questions and Answers
Insured Contingent Beneficiary - Correct answer-If the insured and primary
beneficiary are both killed in the same accident and it cannot be determined who
died first, where are the death proceeds to be directed under the uniform
Simultaneous Death Act?
Reimbursement - Correct answer-Which type of policy pays benefits to a
policyholder covered under a Hospital Expense policy?
$25,000 - Correct answer-J has an Accidental Death and Dismemberment policy
with a principal sum of $50,000. While trimming the hedges, J cuts off one of his
fingers. What is the MAXIMUM J will receive from his policy?
payable to the company or another shareholder - Correct answer-The benefits
under a Disability Buy-Out policy are:
off-the -job accident - Correct answer-An accident policy will most likely pay a
benefit for a(n)
©COPYRIGHT 2025, ALL RIGHTS RESERVED 1
, indemnity - Correct answer-a payment for damage or loss
continue group health benefits - Correct answer-The COBRA gives workers whose
employment has been terminated the right to
Social Security Disability Income - Correct answer-The percentage of as
individual's Primary Insurance Amount determines the benefits paid in which of
the following programs.
100% of the insured's Primary Insurance Amount (PIA) - Correct answer-What is
the maximum Social Security Disability benefit amount an insured can receive?
PPO's are NOT a type of managed care system - Correct answer-Which of these
statements is INCORRECT regarding a PPO?
Part A covers hospitalization; Part B covers doctor's services - Correct answer-
What does Medicare Parts A and B cover?
PPO - Correct answer-Under what system do a group of doctors and hospitals in a
designated area contract with an insurer to provide services at a prearranged cost to
the insured?
closed panel - Correct answer-The situation in which a group of physicians are
salaried employees and conduct business in an HMO facility is called a(n)
©COPYRIGHT 2025, ALL RIGHTS RESERVED 2
Exam 2026 Questions and Answers
Insured Contingent Beneficiary - Correct answer-If the insured and primary
beneficiary are both killed in the same accident and it cannot be determined who
died first, where are the death proceeds to be directed under the uniform
Simultaneous Death Act?
Reimbursement - Correct answer-Which type of policy pays benefits to a
policyholder covered under a Hospital Expense policy?
$25,000 - Correct answer-J has an Accidental Death and Dismemberment policy
with a principal sum of $50,000. While trimming the hedges, J cuts off one of his
fingers. What is the MAXIMUM J will receive from his policy?
payable to the company or another shareholder - Correct answer-The benefits
under a Disability Buy-Out policy are:
off-the -job accident - Correct answer-An accident policy will most likely pay a
benefit for a(n)
©COPYRIGHT 2025, ALL RIGHTS RESERVED 1
, indemnity - Correct answer-a payment for damage or loss
continue group health benefits - Correct answer-The COBRA gives workers whose
employment has been terminated the right to
Social Security Disability Income - Correct answer-The percentage of as
individual's Primary Insurance Amount determines the benefits paid in which of
the following programs.
100% of the insured's Primary Insurance Amount (PIA) - Correct answer-What is
the maximum Social Security Disability benefit amount an insured can receive?
PPO's are NOT a type of managed care system - Correct answer-Which of these
statements is INCORRECT regarding a PPO?
Part A covers hospitalization; Part B covers doctor's services - Correct answer-
What does Medicare Parts A and B cover?
PPO - Correct answer-Under what system do a group of doctors and hospitals in a
designated area contract with an insurer to provide services at a prearranged cost to
the insured?
closed panel - Correct answer-The situation in which a group of physicians are
salaried employees and conduct business in an HMO facility is called a(n)
©COPYRIGHT 2025, ALL RIGHTS RESERVED 2
