Pearson Vue National Health Insurance Practice
Test 2025-2026 Most Recent Version
Comprehensive 50 Questions and Verified
Answers Accurate Solutions Already Graded A+
Get it 100% Correct
A Disability Income policy may provide benefits for which of the following losses?
A. Residual Disability
B. Catastrophic medical expenses
C. Long term care
D. Supplemental payments to Medicare - CORRECT ANSWER: a
A group long-term disability plan is integrated with Social Security when which of the
following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum limit.
B. Full group benefits are paid in addition to Social Security benefits.
C. Full Social Security benefits are paid after group benefits are exhausted.
D. Half of the allowable Social Security benefits are paid after group benefits are
exhausted. - CORRECT ANSWER: a
,A health care plan that reimburses a flat fee for medical care it provides at a clinic it
owns and operates is referred to as:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - CORRECT ANSWER: a
A married insured has an Accidental Death and Dismemberment (AD&D) policy that
names his brother as the primary beneficiary and his son as the contingent beneficiary.
If the insured and his brother are both killed instantly in a train accident, the policy
proceeds would be paid to which of the following?
A. The insured's estate
B. The brother's estate
C. The insured's son
D. The insured's spouse - CORRECT ANSWER: c
A precertification review prior to a nonemergency hospitalization is an example of:
A. managed care
, B. Medicaid
C. Medicare
D. Disability Income - CORRECT ANSWER: a
A producer and an applicant complete an application for a health policy and submit it to
the insurer for underwriting without any premium. The underwriter issues a policy and
mails it to the producer for delivery to the applicant. The producer should take all of the
following actions during the delivery of the policy to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date - CORRECT
ANSWER: b
All of the following elements are required of a contract EXCEPT:
A. assignment
B. acceptance
C. legal capacity
Test 2025-2026 Most Recent Version
Comprehensive 50 Questions and Verified
Answers Accurate Solutions Already Graded A+
Get it 100% Correct
A Disability Income policy may provide benefits for which of the following losses?
A. Residual Disability
B. Catastrophic medical expenses
C. Long term care
D. Supplemental payments to Medicare - CORRECT ANSWER: a
A group long-term disability plan is integrated with Social Security when which of the
following statements is CORRECT?
A. Social Security and group benefits pay a combined maximum limit.
B. Full group benefits are paid in addition to Social Security benefits.
C. Full Social Security benefits are paid after group benefits are exhausted.
D. Half of the allowable Social Security benefits are paid after group benefits are
exhausted. - CORRECT ANSWER: a
,A health care plan that reimburses a flat fee for medical care it provides at a clinic it
owns and operates is referred to as:
A. Health Maintenance Organization
B. Medicaid
C. Medicare
D. Multiple Employer Trust (MET) - CORRECT ANSWER: a
A married insured has an Accidental Death and Dismemberment (AD&D) policy that
names his brother as the primary beneficiary and his son as the contingent beneficiary.
If the insured and his brother are both killed instantly in a train accident, the policy
proceeds would be paid to which of the following?
A. The insured's estate
B. The brother's estate
C. The insured's son
D. The insured's spouse - CORRECT ANSWER: c
A precertification review prior to a nonemergency hospitalization is an example of:
A. managed care
, B. Medicaid
C. Medicare
D. Disability Income - CORRECT ANSWER: a
A producer and an applicant complete an application for a health policy and submit it to
the insurer for underwriting without any premium. The underwriter issues a policy and
mails it to the producer for delivery to the applicant. The producer should take all of the
following actions during the delivery of the policy to the applicant EXCEPT:
A. collect the initial premium payment
B. issue a conditional receipt
C. have the applicant complete a statement of continued good health
D. explain the Free Look provision which begins on the policy delivery date - CORRECT
ANSWER: b
All of the following elements are required of a contract EXCEPT:
A. assignment
B. acceptance
C. legal capacity
