Health Final Exam - NJ Accident and Health Actual 2025 Questions and Verified Answers (2025 / 2026)/ A+ GRADE COMPLETE.

Health Final Exam - NJ Accident and Health
Actual 2025 Questions and Verified Answers
()/ A+ GRADE COMPLETE.




1. The Commissioner must approve:Continuing education courses
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2. Employersponsoredgrouphealthinsuranceprovidescoverageforwhich of y
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g y
g y
g y
g y
g y
g y
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the following?
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Self-inflicted injuries gy




cosmetic surgery
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custodial care
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alcoholism
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gy Ans>> :alcoholism
gy y
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3. AMedicaresupplementpolicycanbecancelledbytheinsurerfor:Nonpay- ment
y
g y
g y
g y
g y
g y
g y
g y
g y
g y
g y
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4. WhichentityisresponsibleforregulatinginsuranceadvertisinginNJ?
y
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g y
g y
g y
g y
g y
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g y
g




Ans>>:New Jersey Department of Banking and Insurance
y
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5. Whichofthefollowingareretainedattheexpenseofaninsurancebuyerto give
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g y
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g y
g y
g y
g y
g y
g y
g y
g y
g y
g y
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advice on insurance needed by the buyer?
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Brokers and consultants gy gy




Insurance prospectors
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Third-partyadminstrators
gy y
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Agents
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,Ans>>:Brokers and consultants
y
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6. Written notice for a health claim must be given to the insurer gy gy gy gy gy gy gy gy gy gy gy gy daysafter y
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the occurrence of the loss.: 20
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7. In which of the following situations would the insurer be liable for a loss?
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a) The insured skipped a payment beyond the 31 day grace period
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b) The insured was injured while participating in an illegal occupation
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c) The insured was given a notice of cancellation from the insurer
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d) The insured suffered an injury as an innocent bystander during a bank robbery
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Ans>>:d)The insured suffered an injury as an innocent bystander during a bank robbery
y
g y
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8. Whena Medicaresupplement policy is purchasedduringthe openenroll-
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ment period
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Ans>>: The policy must be issued regardless of health status
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9. Inwhat formdodisabilityincomepolicies typicallypaybenefits?:Periodic
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income
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10. What is considered to be the primary reason for buying life insurance?
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Ans>>:- y
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Provide death benefits gy gy




11. A newborn is required to be covered for
gy gy gy gy gy gy gy gy daysfromthemomentof y
g y
g y
g y
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birth Ans>>: 30
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12. Once an accident and health insurance policy has been in force for
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year(s), the policy may NOT be contested by the insurer
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Ans>>: 2 gy




2/21
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, 13. AdoctorwhoacceptsMedicareassignmentagreestowhichofthefollow- ing
y
g y
g y
g y
g y
g y
g y
g y
g y
g y
g y
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- Doctormay chargeupto a maximumof 15%more thanMedicarepaysfor the
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service
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- Doctor is not bound by Medicare's limitations on charges
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- Doctor cannot charge more than Medicare's scheduled coverage
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- DoctorbillstheMedicarebeneficiarydirectlyforservicesperformed
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Ans>>:Doctor cannot charge more than Medicare's scheduled coverage
y
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14. Whatisissuedtoeachemployeewithanemployerhealthplan?:Certificate
y
g y
g y
g y
g y
g y
g y
g y
g y
g y
g y
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15. What is the taxliability foremployercontributionsin Health SavingsAc-
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counts (HSA's)?
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Ans>>: No tax payment needed
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16. All of these are considered sources of information that can assist an
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underwriter in determining whether or not to accept a risk EXCEPT
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Agent's report gy




MedicalInformationBureau(MIB) y
g y
g y
g




Inspection reports
gy gy




NationalAssociationofInsuranceUnderwriters gy gy gy gy




Ans>>:NationalAssociationofInsur- ance Underwriters
y
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17. In NJ,health insurance advertisements are required to contain the
gy y
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Ans>>:insur- ance company's name
y
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18. Replacementregulationis designedtoprotecttheinterestsof gy gy gy gy gy gy gy gy




Ans>>:Policyown- ers y
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19. The Commissioner of Insurance is appointed by
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3/21 gy gy