FL HEALTH INSURANCE LICENSE QUESTIONS 240 100%
VERIFIED!!
"Which medical plan covers doctor visits while the insured is in the hospital and physical therapy
treatments following release from the hospital?
- limited medical policy
- basic hospital expense policy
- comprehensive major medical insurance
- supplementary major medical insurance - CORRECT ANSWER=> comprehensive major medical
insurance"
"Which is NOT a managed care provider?
- health maintenance organizations (HMOs)
- preferred provider organizations (PPOs)
- provider sponsored organizations (PSOs)
- medical expense plans (MEPs) - CORRECT ANSWER=> medical expense plans (MEPs)"
"Jamie is 37 years old, but her friends insist that she looks younger than her age. She applies for a health
insurance policy and on the application states that she is 27 years old. When the insurer discovers the
truth, what will it probably do?
- cancel the policy
- reduce the benefits
- increase the premium
- refer the matter to the state's Attorney General's office - CORRECT ANSWER=> reduce the benefits"
"The special needs plan (SNP) under Medicare Advantage is NOT available to those persons who:
- are institutionalized
- are eligible for Medicare and Medicaid
- are severely disabled
- are suffering from minor chronic medical conditions - CORRECT ANSWER=> are suffering from minor
chronic medical conditions"
"Which coverage does a person who is eligible for Medicare buy from a private insurer?
- Medicare Part A
- Medicare Part B
- Medicare Advantage
- Medicaid - CORRECT ANSWER=> Medicare Advantage"
,"For purposes of group health insurance, a small employer is defined in Florida as any person or entity
that employs no more than how many employees?
- 100
- 50
- 20
- 2 - CORRECT ANSWER=> 50"
"Which of the following optional health insurance policy provisions applies specifically to disability
income insurance policies?
- the relation of earnings to insurance provision
- the unpaid premium provision
- the cancellation provision
- the conformity with state statutes provision - CORRECT ANSWER=> the relation of earnings to
insurance provision"
"Gracie has a Medicare Advantage policy and needs emergency care while traveling. However, there are
no network providers nearby. What should she do?
- delay treatment until she locates a provider within the network
- see any suitable provider even if outside the network
- seek a provider in another network
- submit her expenses to her insurer for reimbursement - CORRECT ANSWER=> see any suitable
provider even if outside the network"
"Which is NOT considered an activity of daily living (ADL) for purposes of qualifying for long-term care
insurance benefits?
- eating
- dressing
- bathing
- driving - CORRECT ANSWER=> driving"
"HMOs operate within geographic areas that are called:
- provider networks
- service areas
- covered areas
- managed care areas - CORRECT ANSWER=> service areas"
"HIPAA guarantees the availability of health insurance coverage in the individual market for eligible
individuals who have had at least how many months of aggregate creditable coverage?
, -6
- 12
- 18
- 24 - CORRECT ANSWER=> 18"
"What kind of policy only covers cancer, stroke, heart attack, and Parkinson's disease?
- medical surgical expense policy
- catastrophic medical policy
-limited disability policy
- specified disease policy - CORRECT ANSWER=> specified disease policy"
"Eddie bought a Medicare supplement policy five years ago and now suffers from dementia. What can
the insurer do in light of Eddie's current health status?
- cancel the policy
- increase the premium
- decrease the amount of coverage
- keep the policy in force - CORRECT ANSWER=> keep the policy in force"
"In 2006, federal legislation expanded Medicare to provide prescription drug coverage through:
- Part C
- a revised Medigap program
- Part D
- Part A - CORRECT ANSWER=> Part D"
"Which statement about maternity coverage in group and individual health plans is correct?
- Individual and group plans must cover maternity care.
- Individual and group plans that cover maternity care must cover the services of midwives and birth
centers.
- Individual and group plans must provide up to $10,000 in benefits for maternity care.
- Individual and group plans that cover maternity care may limit the length of hospital stays. - CORRECT
ANSWER=> Individual and group plans that cover maternity care must cover the services of midwives
and birth centers."
"Which statement accurately describes the MIB (Medical Information Bureau)?
- It contains the complete medical history of insurance applicants.
- It collects medical information about insurance applicants and gives that information to member
insurance companies.
- It lists the type of policies denied to applicants due to medical conditions.
VERIFIED!!
"Which medical plan covers doctor visits while the insured is in the hospital and physical therapy
treatments following release from the hospital?
- limited medical policy
- basic hospital expense policy
- comprehensive major medical insurance
- supplementary major medical insurance - CORRECT ANSWER=> comprehensive major medical
insurance"
"Which is NOT a managed care provider?
- health maintenance organizations (HMOs)
- preferred provider organizations (PPOs)
- provider sponsored organizations (PSOs)
- medical expense plans (MEPs) - CORRECT ANSWER=> medical expense plans (MEPs)"
"Jamie is 37 years old, but her friends insist that she looks younger than her age. She applies for a health
insurance policy and on the application states that she is 27 years old. When the insurer discovers the
truth, what will it probably do?
- cancel the policy
- reduce the benefits
- increase the premium
- refer the matter to the state's Attorney General's office - CORRECT ANSWER=> reduce the benefits"
"The special needs plan (SNP) under Medicare Advantage is NOT available to those persons who:
- are institutionalized
- are eligible for Medicare and Medicaid
- are severely disabled
- are suffering from minor chronic medical conditions - CORRECT ANSWER=> are suffering from minor
chronic medical conditions"
"Which coverage does a person who is eligible for Medicare buy from a private insurer?
- Medicare Part A
- Medicare Part B
- Medicare Advantage
- Medicaid - CORRECT ANSWER=> Medicare Advantage"
,"For purposes of group health insurance, a small employer is defined in Florida as any person or entity
that employs no more than how many employees?
- 100
- 50
- 20
- 2 - CORRECT ANSWER=> 50"
"Which of the following optional health insurance policy provisions applies specifically to disability
income insurance policies?
- the relation of earnings to insurance provision
- the unpaid premium provision
- the cancellation provision
- the conformity with state statutes provision - CORRECT ANSWER=> the relation of earnings to
insurance provision"
"Gracie has a Medicare Advantage policy and needs emergency care while traveling. However, there are
no network providers nearby. What should she do?
- delay treatment until she locates a provider within the network
- see any suitable provider even if outside the network
- seek a provider in another network
- submit her expenses to her insurer for reimbursement - CORRECT ANSWER=> see any suitable
provider even if outside the network"
"Which is NOT considered an activity of daily living (ADL) for purposes of qualifying for long-term care
insurance benefits?
- eating
- dressing
- bathing
- driving - CORRECT ANSWER=> driving"
"HMOs operate within geographic areas that are called:
- provider networks
- service areas
- covered areas
- managed care areas - CORRECT ANSWER=> service areas"
"HIPAA guarantees the availability of health insurance coverage in the individual market for eligible
individuals who have had at least how many months of aggregate creditable coverage?
, -6
- 12
- 18
- 24 - CORRECT ANSWER=> 18"
"What kind of policy only covers cancer, stroke, heart attack, and Parkinson's disease?
- medical surgical expense policy
- catastrophic medical policy
-limited disability policy
- specified disease policy - CORRECT ANSWER=> specified disease policy"
"Eddie bought a Medicare supplement policy five years ago and now suffers from dementia. What can
the insurer do in light of Eddie's current health status?
- cancel the policy
- increase the premium
- decrease the amount of coverage
- keep the policy in force - CORRECT ANSWER=> keep the policy in force"
"In 2006, federal legislation expanded Medicare to provide prescription drug coverage through:
- Part C
- a revised Medigap program
- Part D
- Part A - CORRECT ANSWER=> Part D"
"Which statement about maternity coverage in group and individual health plans is correct?
- Individual and group plans must cover maternity care.
- Individual and group plans that cover maternity care must cover the services of midwives and birth
centers.
- Individual and group plans must provide up to $10,000 in benefits for maternity care.
- Individual and group plans that cover maternity care may limit the length of hospital stays. - CORRECT
ANSWER=> Individual and group plans that cover maternity care must cover the services of midwives
and birth centers."
"Which statement accurately describes the MIB (Medical Information Bureau)?
- It contains the complete medical history of insurance applicants.
- It collects medical information about insurance applicants and gives that information to member
insurance companies.
- It lists the type of policies denied to applicants due to medical conditions.
