WI 22-03 Wisconsin Accident and
Health Insurance EXAM (2025/2026)
QUESTIONS AND (elaborated)
ANSWETRS WITH COMPLETE
SOLUTIONS
/. 8 hours - Answer-once an individual is licensed for life or accident and health
insurance, how many hours of training must the producer complete initially to sell long-
term care insurance?
/.100% - Answer-S is a sole business proprietor who owns a medical expense plan.
What percentage of the cost of the plan may he deduct?
/.A flat amount - Answer-The benefits for individual disability plans are based on
/.Mental illness - Answer-in health underwriting, it would be inappropriate to decline a
risk using any of the following factors except:
Mental illness
Genetic characteristics
Marital Status
Blindness
/.Antibiotics - Answer-Which of the following hospice expenses would NOT be covered
in a cost-containment setting?
Special hospital bed
Antibiotics
Tylenol
Morphine
/.The insurer assumes the risk of paying the cost of medical expenses occurring during
the policy period - Answer-What is a characteristic of a conventional full-insured plan?
/.At least the value of Social Security benefits - Answer-Under the Age Discrimination in
Employment Act, if the obligation of the employer to provide retiree health benefits, what
will an individual younger than 65 receive in benefits each year?
/.60 days - Answer-If the payment of a specific premium or subscription fee is required
to provide coverage for a child, the policy may require that notification of the child's birth
, and payment of the required premiums or fees be furnished to the insurer within how
many days after the date of birth?
/.Insurers are prohibited from ever increasing rates - Answer-All of the following are true
regarding small group coverage in Wisconsin EXCEPT:
Insurers are prohibited from ever increasing rates
Small groups begin with 3 or more eligible individuals
Small employer insurers may establish minimum participation and employer
contributions
Small group polices are guaranteed issue
/.Insurance Commissioner or Director - Answer-Which of the following entities must
approve all Medicare supplement advertisements?
Insurance Commissioner or Director
NAIC
Consumer Protection Agency
Federal Association of Insurers
/.It is fully funded by Social Security taxes (FICA) - Answer-Concerning Medicare Part
B, which statement is INCORRECT?
It is fully funded by Social Security Taxes (FICA)
It is known as Medical Insurance
It offers limited prescription drug coverage
It provides partial coverage for medical expenses not fully covered under Medicare Part
A
/.The Federal Department of Labor - Answer-Which authority enforces COBRA laws?
/.The insurer - Answer-Who guarantees a conventional fully-insured group plan?
/.Holiday pay - Answer-Welfare benefits include all of the following EXCEPT
Day care benefits
Health care benefits
Workers compensation
Holiday pay
/.The old policy should stay in force until the new policy is issued - Answer-An agent is
in the process of replacing the insured's current health policy with a new one. What
would be proper action?
/.180 days - Answer-If an insurer decides to discontinue providing group health
insurance in general, how many days before discontinuance must a notice be sent to
the Commissioner and the to each employer?
/.Dentures - Answer-Which of the following is NOT considered to be a basic service
under a nonscheduled plan?
Health Insurance EXAM (2025/2026)
QUESTIONS AND (elaborated)
ANSWETRS WITH COMPLETE
SOLUTIONS
/. 8 hours - Answer-once an individual is licensed for life or accident and health
insurance, how many hours of training must the producer complete initially to sell long-
term care insurance?
/.100% - Answer-S is a sole business proprietor who owns a medical expense plan.
What percentage of the cost of the plan may he deduct?
/.A flat amount - Answer-The benefits for individual disability plans are based on
/.Mental illness - Answer-in health underwriting, it would be inappropriate to decline a
risk using any of the following factors except:
Mental illness
Genetic characteristics
Marital Status
Blindness
/.Antibiotics - Answer-Which of the following hospice expenses would NOT be covered
in a cost-containment setting?
Special hospital bed
Antibiotics
Tylenol
Morphine
/.The insurer assumes the risk of paying the cost of medical expenses occurring during
the policy period - Answer-What is a characteristic of a conventional full-insured plan?
/.At least the value of Social Security benefits - Answer-Under the Age Discrimination in
Employment Act, if the obligation of the employer to provide retiree health benefits, what
will an individual younger than 65 receive in benefits each year?
/.60 days - Answer-If the payment of a specific premium or subscription fee is required
to provide coverage for a child, the policy may require that notification of the child's birth
, and payment of the required premiums or fees be furnished to the insurer within how
many days after the date of birth?
/.Insurers are prohibited from ever increasing rates - Answer-All of the following are true
regarding small group coverage in Wisconsin EXCEPT:
Insurers are prohibited from ever increasing rates
Small groups begin with 3 or more eligible individuals
Small employer insurers may establish minimum participation and employer
contributions
Small group polices are guaranteed issue
/.Insurance Commissioner or Director - Answer-Which of the following entities must
approve all Medicare supplement advertisements?
Insurance Commissioner or Director
NAIC
Consumer Protection Agency
Federal Association of Insurers
/.It is fully funded by Social Security taxes (FICA) - Answer-Concerning Medicare Part
B, which statement is INCORRECT?
It is fully funded by Social Security Taxes (FICA)
It is known as Medical Insurance
It offers limited prescription drug coverage
It provides partial coverage for medical expenses not fully covered under Medicare Part
A
/.The Federal Department of Labor - Answer-Which authority enforces COBRA laws?
/.The insurer - Answer-Who guarantees a conventional fully-insured group plan?
/.Holiday pay - Answer-Welfare benefits include all of the following EXCEPT
Day care benefits
Health care benefits
Workers compensation
Holiday pay
/.The old policy should stay in force until the new policy is issued - Answer-An agent is
in the process of replacing the insured's current health policy with a new one. What
would be proper action?
/.180 days - Answer-If an insurer decides to discontinue providing group health
insurance in general, how many days before discontinuance must a notice be sent to
the Commissioner and the to each employer?
/.Dentures - Answer-Which of the following is NOT considered to be a basic service
under a nonscheduled plan?
