AZ LIFE & HEALTH LICENSE EXAM most tested questions
With Detailed Answers
THE OPTION TO ELECT CONTINUATION OF BENEFITS AFTER AN EMPLOYEE'S GROUP PLAN IS
TERMINATED EXPIRES?
A. 30 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
B. 45 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
C. 60 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
D. 90 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
C. 60 days after the individual receives notification
A HEALTH INSURANCE PLAN WHERE THE EMPLOYEES PAY PART OF THE COST AND AT LEAST
75% OF THOSE ELIGIBLE MUST PARTICIPATE IN IS KNOWN AS?
A. A CONTRIBUTORY PLAN
B. A NONCONTRIBUTORY PLAN
C. AN ASSOCIATION PLAN
D. AN ADMINISTRATIVE PLAN
A. A Contributory Plan
UNDER COBRA, THE MAXIMUM PERIOD OF COVERAGE FOR TERMINATION OF EMPLOYMENT
OR A REDUCTION IN HOURS IS?
A. 12 MONTHS
B. 18 MONTHS
C. 24 MONTHS
D. 36 MONTHS
B. 18 Months
,WHICH OF THE FOLLOWING DENTAL EXPENSE PLANS COVERS THE REMOVAL OF WISDOM
TEETH?
A. DIAGNOSTICS AND PREVENTATIVE
B. RESTORATIVE
C. ORAL SURGERY
D. ENDODONTICS
C. Oral Surgery
GROUP HEALTH INSURANCE USUALLY IS WRITTEN TO COVER?
A. PEOPLE WORKING FOR THE SAME EMPLOYER
B. AT LEAST 100 PEOPLE
C. A MINIMUM OF 75 PEOPLE
D. PEOPLE WHO HAVE NO DEPENDENTS
A. PEOPLE WORKING FOR THE SAME COMPANY
HOW DOES THE MEDICARE SUPPLEMENT AT-HOME RECOVERY SERVICES BENEFIT DIFFER
FROM THE MEDICARE HOME HEALTH CARE BENEFIT?
A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIVING
B. MEDICARE SUPPLEMENT BENEFIT COVERS DURABLE MEDICAL EQUIPMENT
C. MEDICARE SUPPLEMENT BENEFIT IS UNLIMITED
D. MEDICARE SUPPLEMENT BENEFIT COVERS ONLY SKILLED CARE
A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIVING
THE MAIN INTENT OF THE COSMETIC SURGERY EXCLUSION IS TO BAR COVERAGE FOR?
A. ELECTIVE SURGERY
B. ACCIDENTAL INJURIES
C. BIRTH DEFECTS
D. SURGERY NOT SUPPORTED BY A SECOND OPINION
A. ELECTIVE SURGERY
WHICH FACTOR AFFECTS THE UNDERWRITING OF DISABILITY INCOME INSURANCE?
,A. HOBBIES OF THE INSURED
B. AMOUNT OF LIFE INSURANCE COVERAGE
C. NUMBER OF DEPENDENTS
D. MARITAL STATUS
A. HOBBIES OF THE INSURED
AN EMPLOYEE, SPOUSE, AND TWO CHILDREN ARE COVERED UNDER A GROUP HEALTH POLICY.
HOW MANY CERTIFICATES OF INSURANCE ARE ISSUED TO THE FAMILY?
A. ONE
B. TWO
C. THREE
D. FOUR
A. ONE
ALL OF THE FOLLOWING ARE TYPICAL BENEFIT PERIODS FOR LONG-TERM DISABILITY INCOME
INSURANCE EXCEPT?
A. ONE YEAR
B. FIVE YEARS
C. TEN YEARS
D. TO AGE 60
A. ONE YEAR
IN A GROUP HEALTH INSURANCE, A GROUP WITH A HIGHER AVERAGE AGE USUALLY HAS?
A. ABOVE AVERAGE MATERNITY CLAIMS
B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
C. LITTLE OR NO EXPOSURE TO DISABILITY
D. BELOW AVERAGE RATES
B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
EMPLOYER-SPONSORED GROUP LONG-TERM CARE INSURANCE GENERALLY HAS ALL OF THE
FOLLOWING CHARACTERISTICS EXCEPT?
A. NONCANCELABLE
B. RENEWABLE
, C. CONVERTIBLE UPON LEAVING EMPLOYMENT
D. MORE ECONOMICAL THAN INDIVIDUAL PLANS
A. NON-CANCELABLE
WHICH STATEMENT ABOUT GROUP HEALTH INSURANCE IS TRUE?
A. THE INSURER'S CONTRACT IS WITH THE ORGANIZATION SPONSORING THE GROUP PLAN
B. THE INSURER ISSUES A POLICY TO EACH INSURED MEMBER IN THE GROUP
C. A MEDICAL QUESTIONNAIRE IS REQUIRED OF EACH INDIVIDUAL TO BE COVERED BY THE
CONTRACT
D. GROUP POLICIES ARE MORE EXPENSIVE THAN INDIVIDUAL POLICIES BECAUSE THEY
PROVIDE BROADER BENEFITS
A. THE INSURER'S CONTRACT IS WITH THE ORGANIZATION SPONSORING THE GROUP PLAN
ALL OF THE FOLLOWING ARE TRUE ABOUT DENTAL INSURANCE EXCEPT?
A. PREVENTIVE SERVICES ARE SELDOM COVERED
B. ORTHODONTIC COVERAGE IS SOMETIMES INCLUDED
C. DENTAL X-RAYS ARE USUALLY COVERED
D. A DEDUCTIBLE MAY HAVE TO BE SATISFIED
A. PREVENTIVE SERVICES ARE SELDOM COVERED
ALL OF THE FOLLOWING STATEMENTS ABOUT HMO'S ARE TRUE EXCEPT?
A. HMO'S COMBINE THE FINANCING AND PROVISION OF HEALTH CARE IN ONE
ORGANIZATION
B. SUBSCRIBERS ARE ENCOURAGED TO HAVE REGULAR MEDICAL CHECKUPS
C. PREVENTATIVE CARE IS ENCOURAGED BY HMO'S.
D. EMPLOYEES OF NONPROFIT ORGANIZATIONS ARE PROHIBITED FROM ENROLLING IN
HMO'S
D. EMPLOYEES OF NONPROFIT ORGANIZATIONS ARE PROHIBITED FROM ENROLLING IN HMO'S
WHEN A DISABILITY CAUSED BY AN ACCIDENT OR ILLNESS IS RELATED TO A PERSON'S
EMPLOYMENT, THE EMPLOYEE IS USUALLY ELIGIBLE FOR BENEFIT PAYMENTS FROM?
A. BLUE CROSS/BLUE SHIELD
B. GROUP MAJOR MEDICAL EXPENSE COVERAGE
With Detailed Answers
THE OPTION TO ELECT CONTINUATION OF BENEFITS AFTER AN EMPLOYEE'S GROUP PLAN IS
TERMINATED EXPIRES?
A. 30 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
B. 45 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
C. 60 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
D. 90 DAYS AFTER THE INDIVIDUAL RECEIVES NOTIFICATION
C. 60 days after the individual receives notification
A HEALTH INSURANCE PLAN WHERE THE EMPLOYEES PAY PART OF THE COST AND AT LEAST
75% OF THOSE ELIGIBLE MUST PARTICIPATE IN IS KNOWN AS?
A. A CONTRIBUTORY PLAN
B. A NONCONTRIBUTORY PLAN
C. AN ASSOCIATION PLAN
D. AN ADMINISTRATIVE PLAN
A. A Contributory Plan
UNDER COBRA, THE MAXIMUM PERIOD OF COVERAGE FOR TERMINATION OF EMPLOYMENT
OR A REDUCTION IN HOURS IS?
A. 12 MONTHS
B. 18 MONTHS
C. 24 MONTHS
D. 36 MONTHS
B. 18 Months
,WHICH OF THE FOLLOWING DENTAL EXPENSE PLANS COVERS THE REMOVAL OF WISDOM
TEETH?
A. DIAGNOSTICS AND PREVENTATIVE
B. RESTORATIVE
C. ORAL SURGERY
D. ENDODONTICS
C. Oral Surgery
GROUP HEALTH INSURANCE USUALLY IS WRITTEN TO COVER?
A. PEOPLE WORKING FOR THE SAME EMPLOYER
B. AT LEAST 100 PEOPLE
C. A MINIMUM OF 75 PEOPLE
D. PEOPLE WHO HAVE NO DEPENDENTS
A. PEOPLE WORKING FOR THE SAME COMPANY
HOW DOES THE MEDICARE SUPPLEMENT AT-HOME RECOVERY SERVICES BENEFIT DIFFER
FROM THE MEDICARE HOME HEALTH CARE BENEFIT?
A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIVING
B. MEDICARE SUPPLEMENT BENEFIT COVERS DURABLE MEDICAL EQUIPMENT
C. MEDICARE SUPPLEMENT BENEFIT IS UNLIMITED
D. MEDICARE SUPPLEMENT BENEFIT COVERS ONLY SKILLED CARE
A. MEDICARE SUPPLEMENT BENEFIT COVERS ASSISTANCE WITH DAILY LIVING
THE MAIN INTENT OF THE COSMETIC SURGERY EXCLUSION IS TO BAR COVERAGE FOR?
A. ELECTIVE SURGERY
B. ACCIDENTAL INJURIES
C. BIRTH DEFECTS
D. SURGERY NOT SUPPORTED BY A SECOND OPINION
A. ELECTIVE SURGERY
WHICH FACTOR AFFECTS THE UNDERWRITING OF DISABILITY INCOME INSURANCE?
,A. HOBBIES OF THE INSURED
B. AMOUNT OF LIFE INSURANCE COVERAGE
C. NUMBER OF DEPENDENTS
D. MARITAL STATUS
A. HOBBIES OF THE INSURED
AN EMPLOYEE, SPOUSE, AND TWO CHILDREN ARE COVERED UNDER A GROUP HEALTH POLICY.
HOW MANY CERTIFICATES OF INSURANCE ARE ISSUED TO THE FAMILY?
A. ONE
B. TWO
C. THREE
D. FOUR
A. ONE
ALL OF THE FOLLOWING ARE TYPICAL BENEFIT PERIODS FOR LONG-TERM DISABILITY INCOME
INSURANCE EXCEPT?
A. ONE YEAR
B. FIVE YEARS
C. TEN YEARS
D. TO AGE 60
A. ONE YEAR
IN A GROUP HEALTH INSURANCE, A GROUP WITH A HIGHER AVERAGE AGE USUALLY HAS?
A. ABOVE AVERAGE MATERNITY CLAIMS
B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
C. LITTLE OR NO EXPOSURE TO DISABILITY
D. BELOW AVERAGE RATES
B. ABOVE AVERAGE TOTAL HEALTH CLAIMS
EMPLOYER-SPONSORED GROUP LONG-TERM CARE INSURANCE GENERALLY HAS ALL OF THE
FOLLOWING CHARACTERISTICS EXCEPT?
A. NONCANCELABLE
B. RENEWABLE
, C. CONVERTIBLE UPON LEAVING EMPLOYMENT
D. MORE ECONOMICAL THAN INDIVIDUAL PLANS
A. NON-CANCELABLE
WHICH STATEMENT ABOUT GROUP HEALTH INSURANCE IS TRUE?
A. THE INSURER'S CONTRACT IS WITH THE ORGANIZATION SPONSORING THE GROUP PLAN
B. THE INSURER ISSUES A POLICY TO EACH INSURED MEMBER IN THE GROUP
C. A MEDICAL QUESTIONNAIRE IS REQUIRED OF EACH INDIVIDUAL TO BE COVERED BY THE
CONTRACT
D. GROUP POLICIES ARE MORE EXPENSIVE THAN INDIVIDUAL POLICIES BECAUSE THEY
PROVIDE BROADER BENEFITS
A. THE INSURER'S CONTRACT IS WITH THE ORGANIZATION SPONSORING THE GROUP PLAN
ALL OF THE FOLLOWING ARE TRUE ABOUT DENTAL INSURANCE EXCEPT?
A. PREVENTIVE SERVICES ARE SELDOM COVERED
B. ORTHODONTIC COVERAGE IS SOMETIMES INCLUDED
C. DENTAL X-RAYS ARE USUALLY COVERED
D. A DEDUCTIBLE MAY HAVE TO BE SATISFIED
A. PREVENTIVE SERVICES ARE SELDOM COVERED
ALL OF THE FOLLOWING STATEMENTS ABOUT HMO'S ARE TRUE EXCEPT?
A. HMO'S COMBINE THE FINANCING AND PROVISION OF HEALTH CARE IN ONE
ORGANIZATION
B. SUBSCRIBERS ARE ENCOURAGED TO HAVE REGULAR MEDICAL CHECKUPS
C. PREVENTATIVE CARE IS ENCOURAGED BY HMO'S.
D. EMPLOYEES OF NONPROFIT ORGANIZATIONS ARE PROHIBITED FROM ENROLLING IN
HMO'S
D. EMPLOYEES OF NONPROFIT ORGANIZATIONS ARE PROHIBITED FROM ENROLLING IN HMO'S
WHEN A DISABILITY CAUSED BY AN ACCIDENT OR ILLNESS IS RELATED TO A PERSON'S
EMPLOYMENT, THE EMPLOYEE IS USUALLY ELIGIBLE FOR BENEFIT PAYMENTS FROM?
A. BLUE CROSS/BLUE SHIELD
B. GROUP MAJOR MEDICAL EXPENSE COVERAGE
