NEWEST NJ HEALTH AND ACCIDENT FINAL EXAM AND
PRACTICE EXAM NEWEST ACTUAL EXAM
The Commissioner must approve - answer-:,Continuing education courses
A branch office registration form is required to be filed at least ___ days before selling insurance
out of that branch - answer-:,30
In New Jersey, an insurer is required to maintain files of all published and printed
advertisements for? - answer-:,5 years from the date of last use
Disability Income plans which require that the insurer can NEVER change or alter premium rates
are usually considered - answer-:,Noncancellable
Medicare Part A does not pay for medical benefits provided for the treatment in a skilled
nursing facility beyond - answer-:,100 days
According to HIPAA, when an insured individual leaves an employer and immediately begins
working for a new company that offers group health insurance, the individual - answer-:,Is
eligible for coverage upon hire
An insurer must furnish to a claimant forms for filing proof of loss within ___ days upon
receiving a notice of claim. - answer-:,15 days
Which of the following is MANDATORY coverage for all group health care service contracts? -
answer-:,Treatment for alcoholism
,A health insurance policy that allows an insurer to change the policy owner's premiums, but
NOT cancel the policy is called a(n) - answer-:,Guaranteed renewable policy
The name of the insurance companies represented by the producer - answer-:,is available to
the public
Which of the following does Coordination of Benefits allow?
-Allows the secondary payor to reduce their benefit payments so no more than 100% of the
claim is paid
-Allows both a group health plan and individual health plan to coordinate their benefit
payments
-Allows the deductible to be spread out between all the health providers
-Allows each health provider to pay 100% of the claim - answer-:,Allows the secondary payor to
reduce their benefit payments so no more than 100% of the claim is paid
All of the following are included as part of a contract in the entire contract provision EXCEPT the
riders
application
changes made by the producer
policy - answer-:,changes made by the producer
Insurable interest does NOT occur in which of the following relationships?
sister/brother
, parent/child
business partners
business owner and business client - answer-:,business owner and business client
Within how many days must a producer notify the Department of Baking and Insurance of a
change of address? - answer-:,30
Under the NJ continuance of benefits law, notice to extend coverage is required within how
many days of a qualifying event? - answer-:,30
Health insurance advertisements that mention statistical information are required by NJ law to -
answer-:,accurately convey all pertinent facts
What type of injury would NOT be covered under a health insurance policy?
Work related
accidental
Sports related
recreational - answer-:,Work related
NJ Insurance law requires eligible individuals to make an election to continue health insurance
benefits within a MAXIMUM of ___ days after coverage termination - answer-:,60
The NJ temporary disability benefits law - answer-:,provides non-occupational disability
benefits
PRACTICE EXAM NEWEST ACTUAL EXAM
The Commissioner must approve - answer-:,Continuing education courses
A branch office registration form is required to be filed at least ___ days before selling insurance
out of that branch - answer-:,30
In New Jersey, an insurer is required to maintain files of all published and printed
advertisements for? - answer-:,5 years from the date of last use
Disability Income plans which require that the insurer can NEVER change or alter premium rates
are usually considered - answer-:,Noncancellable
Medicare Part A does not pay for medical benefits provided for the treatment in a skilled
nursing facility beyond - answer-:,100 days
According to HIPAA, when an insured individual leaves an employer and immediately begins
working for a new company that offers group health insurance, the individual - answer-:,Is
eligible for coverage upon hire
An insurer must furnish to a claimant forms for filing proof of loss within ___ days upon
receiving a notice of claim. - answer-:,15 days
Which of the following is MANDATORY coverage for all group health care service contracts? -
answer-:,Treatment for alcoholism
,A health insurance policy that allows an insurer to change the policy owner's premiums, but
NOT cancel the policy is called a(n) - answer-:,Guaranteed renewable policy
The name of the insurance companies represented by the producer - answer-:,is available to
the public
Which of the following does Coordination of Benefits allow?
-Allows the secondary payor to reduce their benefit payments so no more than 100% of the
claim is paid
-Allows both a group health plan and individual health plan to coordinate their benefit
payments
-Allows the deductible to be spread out between all the health providers
-Allows each health provider to pay 100% of the claim - answer-:,Allows the secondary payor to
reduce their benefit payments so no more than 100% of the claim is paid
All of the following are included as part of a contract in the entire contract provision EXCEPT the
riders
application
changes made by the producer
policy - answer-:,changes made by the producer
Insurable interest does NOT occur in which of the following relationships?
sister/brother
, parent/child
business partners
business owner and business client - answer-:,business owner and business client
Within how many days must a producer notify the Department of Baking and Insurance of a
change of address? - answer-:,30
Under the NJ continuance of benefits law, notice to extend coverage is required within how
many days of a qualifying event? - answer-:,30
Health insurance advertisements that mention statistical information are required by NJ law to -
answer-:,accurately convey all pertinent facts
What type of injury would NOT be covered under a health insurance policy?
Work related
accidental
Sports related
recreational - answer-:,Work related
NJ Insurance law requires eligible individuals to make an election to continue health insurance
benefits within a MAXIMUM of ___ days after coverage termination - answer-:,60
The NJ temporary disability benefits law - answer-:,provides non-occupational disability
benefits
