2026 NEVADA LIFE HEALTH 2026 TESTED ALL
QUESTIONS AND ANSWERS SURE A+
✔✔short-term medical insurance - ✔✔designed to provide temporary coverage for
people in transition, and are available for terms from one month up to 11 months
✔✔notice of claim - ✔✔notice is required within 20 days of the loss, or as soon as
reasonably possible
✔✔proof of loss - ✔✔claimant must submit within 90 days of the loss or as soon as
reasonably possible, but not to exceed one year
✔✔time of payment claims - ✔✔claims are to be paid immediately upon written proof of
loss
✔✔insuring clause - ✔✔identifies the insured and the insurance company and states
what kind of loss is covered
✔✔stop-loss limit - ✔✔a specified dollar amount beyond which the insured no longer
participates in the sharing of expenses
✔✔deductible - ✔✔a specified dollar amount that the insured must pay first before the
insurance company will pay the policy benefits
, ✔✔copayment - ✔✔unlike coinsurance, a copayment has a set dollar amount that the
insured will pay each time certain medical services are used
✔✔impairment rider - ✔✔may be attached to a contract for the purpose of eliminating
coverage for a specifically defined pre-existing condition
✔✔guaranteed renewable provision - ✔✔similar to the noncancellable provision, with
the exception that the insurer can increase the policy premium on the policy anniversary
date; the insured has the unilateral right to renew the policy for the life of the contract
✔✔Medicare - ✔✔a federal medical expense insurance program for people age 65 and
older even if the individual continues to work
✔✔4 parts of Medicare - ✔✔1. Part A (Hospital Insurance)
2. Part B (Medical Insurance)
3. Part C (Medicare Advantage)
4. Part D (Prescription Drugs)
✔✔Original Medicare - ✔✔refers to Part A and Part B
✔✔assignment - ✔✔the physician or medical supplier agrees to accept the Medicare-
approved amount as full payment for the covered services
✔✔limiting charge - ✔✔the maximum amount a physician may charge a Medicare
beneficiary for a covered service if the physician does not accept assignment
✔✔peer review organizations - ✔✔groups of practicing doctors and other health care
professionals who are paid by the government to review the care given to Medicare
patients
✔✔Medicare Part A - ✔✔helps pay for inpatient hospital care, inpatient care in a skilled
nursing facility, home health care, and hospice care
✔✔general enrollment period for medicare - ✔✔between January 1st and March 31st
each year
✔✔inpatient hospital care - ✔✔hospital insurance helps pay for up to 90 days in a
participating hospital in any benefit period, subject to a deductible; the first 60 days are
covered at 100% of approved charges after deductible but the next 30 have a daily
copayment
QUESTIONS AND ANSWERS SURE A+
✔✔short-term medical insurance - ✔✔designed to provide temporary coverage for
people in transition, and are available for terms from one month up to 11 months
✔✔notice of claim - ✔✔notice is required within 20 days of the loss, or as soon as
reasonably possible
✔✔proof of loss - ✔✔claimant must submit within 90 days of the loss or as soon as
reasonably possible, but not to exceed one year
✔✔time of payment claims - ✔✔claims are to be paid immediately upon written proof of
loss
✔✔insuring clause - ✔✔identifies the insured and the insurance company and states
what kind of loss is covered
✔✔stop-loss limit - ✔✔a specified dollar amount beyond which the insured no longer
participates in the sharing of expenses
✔✔deductible - ✔✔a specified dollar amount that the insured must pay first before the
insurance company will pay the policy benefits
, ✔✔copayment - ✔✔unlike coinsurance, a copayment has a set dollar amount that the
insured will pay each time certain medical services are used
✔✔impairment rider - ✔✔may be attached to a contract for the purpose of eliminating
coverage for a specifically defined pre-existing condition
✔✔guaranteed renewable provision - ✔✔similar to the noncancellable provision, with
the exception that the insurer can increase the policy premium on the policy anniversary
date; the insured has the unilateral right to renew the policy for the life of the contract
✔✔Medicare - ✔✔a federal medical expense insurance program for people age 65 and
older even if the individual continues to work
✔✔4 parts of Medicare - ✔✔1. Part A (Hospital Insurance)
2. Part B (Medical Insurance)
3. Part C (Medicare Advantage)
4. Part D (Prescription Drugs)
✔✔Original Medicare - ✔✔refers to Part A and Part B
✔✔assignment - ✔✔the physician or medical supplier agrees to accept the Medicare-
approved amount as full payment for the covered services
✔✔limiting charge - ✔✔the maximum amount a physician may charge a Medicare
beneficiary for a covered service if the physician does not accept assignment
✔✔peer review organizations - ✔✔groups of practicing doctors and other health care
professionals who are paid by the government to review the care given to Medicare
patients
✔✔Medicare Part A - ✔✔helps pay for inpatient hospital care, inpatient care in a skilled
nursing facility, home health care, and hospice care
✔✔general enrollment period for medicare - ✔✔between January 1st and March 31st
each year
✔✔inpatient hospital care - ✔✔hospital insurance helps pay for up to 90 days in a
participating hospital in any benefit period, subject to a deductible; the first 60 days are
covered at 100% of approved charges after deductible but the next 30 have a daily
copayment
