2026: Q&A solutions guide--Health license exam Page 1 of 124 Health license exam.pdf
Page | 1
HEALTH LICENSE EXAM BRAND NEW
ACTUAL EXAM WITH ANSWERS.
Which of the following groups is ineligible for group insurance?
Select one:
a. Funeral trusts
b. Government entities
c. Public employee associations
d. A sports team formed to procure insurance - correct answer -A
sports team formed to procure insurance
If a person has both Medicare and a work plan, which payor is
secondary?
Select one:
a. Work
b. Medicare
c. He can pick.
d. They will split the cost. - correct answer -Medicare
Which of the following must happen before an HIV test is
performed on an applicant?
Health license exam- Q&A solutions guide 1 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
,2026: Q&A solutions guide--Health license exam Page 2 of 124 Health license exam.pdf
Page | 2
Select one:
a. The insurer must inquire about the applicant's sexual
orientation.
b. A consent form must be signed by the applicant prior to the
test.
c. The Insurer must inform all non-entitled parties to the upcoming
test.
d. The insurer must inform the state Department of Health of
upcoming test. - correct answer -A consent form must be signed
by the applicant prior to the test.
If an insurance agent offers to split their commission with a
prospective applicant, this would be considered:
Select one:
a. Twisting
b. Intimidation
c. Boycott
d. Rebating - correct answer -Rebating
Eligibility for the payment of long-term care benefits may not be
more restrictive than requiring a deficiency in the ability to perform
not more than how many activities of daily living?
Health license exam- Q&A solutions guide 2 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
,2026: Q&A solutions guide--Health license exam Page 3 of 124 Health license exam.pdf
Page | 3
Select one:
a. 1
b. 2
c. 3
d. 4 - correct answer -Eligibility for the payment of long-term care
benefits may not be more restrictive than requiring either a
deficiency in the ability to perform not more than 3 activities of
daily living or the presence of cognitive impairment.
The correct answer is: 3
Physicians and outpatient coverage is provided by which part of
Medicare?
Select one:
a. Part A
b. Part B
c. Part C
d. Part D - correct answer -Part B
Which managed care program has a larger service area, wider
range of provider choices, no gatekeeper and coverage for
emergency treatment outside of the provider list?
Select one:
Health license exam- Q&A solutions guide 3 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
, 2026: Q&A solutions guide--Health license exam Page 4 of 124 Health license exam.pdf
Page | 4
a. HMO
b. PPO
c. POS
d. HSA - correct answer -The services and provision listed are
generally associated with a PPO (Preferred Provider
Organization.
The correct answer is: PPO
If health insurance premiums are not tax-deductible, the benefits
are:
Select one:
a. Always tax-free.
b. Tax-free, as long as they do not exceed the actual cost of
medical expenses.
c. Taxable as ordinary income.
d. Only tax-free for disability income insurance. - correct answer -
If the premiums are not tax-deductible, the benefits are tax-free,
as long as they do not exceed the actual cost of medical
expenses.
The correct answer is: Tax-free, as long as they do not exceed
the actual cost of medical expenses.
Health license exam- Q&A solutions guide 4 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
Page | 1
HEALTH LICENSE EXAM BRAND NEW
ACTUAL EXAM WITH ANSWERS.
Which of the following groups is ineligible for group insurance?
Select one:
a. Funeral trusts
b. Government entities
c. Public employee associations
d. A sports team formed to procure insurance - correct answer -A
sports team formed to procure insurance
If a person has both Medicare and a work plan, which payor is
secondary?
Select one:
a. Work
b. Medicare
c. He can pick.
d. They will split the cost. - correct answer -Medicare
Which of the following must happen before an HIV test is
performed on an applicant?
Health license exam- Q&A solutions guide 1 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
,2026: Q&A solutions guide--Health license exam Page 2 of 124 Health license exam.pdf
Page | 2
Select one:
a. The insurer must inquire about the applicant's sexual
orientation.
b. A consent form must be signed by the applicant prior to the
test.
c. The Insurer must inform all non-entitled parties to the upcoming
test.
d. The insurer must inform the state Department of Health of
upcoming test. - correct answer -A consent form must be signed
by the applicant prior to the test.
If an insurance agent offers to split their commission with a
prospective applicant, this would be considered:
Select one:
a. Twisting
b. Intimidation
c. Boycott
d. Rebating - correct answer -Rebating
Eligibility for the payment of long-term care benefits may not be
more restrictive than requiring a deficiency in the ability to perform
not more than how many activities of daily living?
Health license exam- Q&A solutions guide 2 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
,2026: Q&A solutions guide--Health license exam Page 3 of 124 Health license exam.pdf
Page | 3
Select one:
a. 1
b. 2
c. 3
d. 4 - correct answer -Eligibility for the payment of long-term care
benefits may not be more restrictive than requiring either a
deficiency in the ability to perform not more than 3 activities of
daily living or the presence of cognitive impairment.
The correct answer is: 3
Physicians and outpatient coverage is provided by which part of
Medicare?
Select one:
a. Part A
b. Part B
c. Part C
d. Part D - correct answer -Part B
Which managed care program has a larger service area, wider
range of provider choices, no gatekeeper and coverage for
emergency treatment outside of the provider list?
Select one:
Health license exam- Q&A solutions guide 3 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
, 2026: Q&A solutions guide--Health license exam Page 4 of 124 Health license exam.pdf
Page | 4
a. HMO
b. PPO
c. POS
d. HSA - correct answer -The services and provision listed are
generally associated with a PPO (Preferred Provider
Organization.
The correct answer is: PPO
If health insurance premiums are not tax-deductible, the benefits
are:
Select one:
a. Always tax-free.
b. Tax-free, as long as they do not exceed the actual cost of
medical expenses.
c. Taxable as ordinary income.
d. Only tax-free for disability income insurance. - correct answer -
If the premiums are not tax-deductible, the benefits are tax-free,
as long as they do not exceed the actual cost of medical
expenses.
The correct answer is: Tax-free, as long as they do not exceed
the actual cost of medical expenses.
Health license exam- Q&A solutions guide 4 of 124Q&A solutions guide Q&A solutions guideHealth license exam.pdf
