Pearson Vue Health Insurance Practice Test Newest
2026/2027 Questions and Correct Detailed Answers
Already Graded A+
What is an out-of-network provider? - CORRECT ANSWER-A health care
provider who does not have a contract with the insured's health plan.
What is the Medicaid expansion under the Affordable Care Act? - CORRECT
ANSWER-An option for states to expand Medicaid eligibility to more low-income
adults.
What is the role of a health insurance broker? - CORRECT ANSWER-To help
consumers find and purchase health insurance policies from multiple companies.
What are group health insurance plans? - CORRECT ANSWER-Health insurance
policies offered to groups of people, usually through employers.
What is COBRA? - CORRECT ANSWER-A federal law allowing continuation of
group health coverage after leaving employment for a limited time.
,What does the HIPAA Privacy Rule protect? - CORRECT ANSWER-The
confidentiality of patients' health information.
What is catastrophic health insurance? - CORRECT ANSWER-A plan with low
premiums and very high deductibles designed for worst-case scenarios.
Charges for which of the following items is NOT considered a covered expense
under a Medicare Supplement policy (Part B)? - CORRECT ANSWER-Dental
services
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
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
In an Accidental Death and Dismemberment (AD&D) policy, capital sum refers to:
- CORRECT ANSWER-A lump sum payment made for an accidental
dismemberment
,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
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
A Health Maintenance Organization (HMO) differs from a traditional insurer in
that an HMO: - CORRECT ANSWER-Emphasizes preventive medicine
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
The Social Security program provides all of the following benefits EXCEPT: -
CORRECT ANSWER-Workers compensation
, 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
A Disability Income policy may provide benefits for which of the following losses?
- CORRECT ANSWER-Residual Disability
Which of the following statements about the Medicare program is CORRECT? -
CORRECT ANSWER-It is a federally sponsored program.
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.
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of
the following policy features? - CORRECT ANSWER-Exclusions
The PRIMARY purpose of Medicaid is to: - CORRECT ANSWER-Provide Medical
Expense coverage to persons below certain minimum income requirements
2026/2027 Questions and Correct Detailed Answers
Already Graded A+
What is an out-of-network provider? - CORRECT ANSWER-A health care
provider who does not have a contract with the insured's health plan.
What is the Medicaid expansion under the Affordable Care Act? - CORRECT
ANSWER-An option for states to expand Medicaid eligibility to more low-income
adults.
What is the role of a health insurance broker? - CORRECT ANSWER-To help
consumers find and purchase health insurance policies from multiple companies.
What are group health insurance plans? - CORRECT ANSWER-Health insurance
policies offered to groups of people, usually through employers.
What is COBRA? - CORRECT ANSWER-A federal law allowing continuation of
group health coverage after leaving employment for a limited time.
,What does the HIPAA Privacy Rule protect? - CORRECT ANSWER-The
confidentiality of patients' health information.
What is catastrophic health insurance? - CORRECT ANSWER-A plan with low
premiums and very high deductibles designed for worst-case scenarios.
Charges for which of the following items is NOT considered a covered expense
under a Medicare Supplement policy (Part B)? - CORRECT ANSWER-Dental
services
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
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
In an Accidental Death and Dismemberment (AD&D) policy, capital sum refers to:
- CORRECT ANSWER-A lump sum payment made for an accidental
dismemberment
,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
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
A Health Maintenance Organization (HMO) differs from a traditional insurer in
that an HMO: - CORRECT ANSWER-Emphasizes preventive medicine
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
The Social Security program provides all of the following benefits EXCEPT: -
CORRECT ANSWER-Workers compensation
, 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
A Disability Income policy may provide benefits for which of the following losses?
- CORRECT ANSWER-Residual Disability
Which of the following statements about the Medicare program is CORRECT? -
CORRECT ANSWER-It is a federally sponsored program.
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.
Suicide, pre-existing conditions and self-inflicted injuries are dealt with in which of
the following policy features? - CORRECT ANSWER-Exclusions
The PRIMARY purpose of Medicaid is to: - CORRECT ANSWER-Provide Medical
Expense coverage to persons below certain minimum income requirements
