NJ Health Insurance Exam Questions with Correct Answers 100% Verified by Experts|
2025/2026 Latest Update
The preexisting condition exclusion in A & H insurance is designed to protect the insurance
company against
a) malingering
b) over insurance
c) over utilization
d) adverse selection d) adverse selection
Which of the following would be classified as earned income for the purpose of calculating
disability income benefits?
1. income from IRA
2. income from stocks and bonds
a) 1 only
b) 2 only
c) both 1 and 2
d) neither 1 or 2 d) neither 1 or 2
If an insured is disabled and receiving benefits under an A & H policy that provides payment to
the insured for at least 2 years, at what intervals must the the insured provide notice of
continuing loss?
a) 3 months
b) 6 months
c) 9 months
d) 12 months b) 6 months
, An insured has a MAJOR MEDICAL policy that calls for a flat $2,000 deductible and 80%-20%
participation. If the insured incurs medical expenses of $6,000, he would receive benefits of
a) $2,000
b) $3,200
c) $4,800
d) $5,000 c) $4,800
Which of the following statements about Medicaid is (are) true?
a) is intended to provide medical assistance for certain categories of people who are needy.
b) the extent of covered costs varies among states.
c) both a and b
d) neither a or b c) both a and b
The primary purpose of the Coordination of Benefits provision found in group Medical Expenses
coverage is to:
a) prevent lengthy lawsuits between insurance companies
b) motivate hospitals to keep their charges reasonable and customary
c) prevent claimant from profiting from an injury or sickness
d) ensure equal payment of a claim by all insurance companies c) prevent claimant from
profiting from an injury or sickness
Which of the following statements about Medicare is (are) true?
a) payments are made directly to the hospital providing services rather than to the insured
2025/2026 Latest Update
The preexisting condition exclusion in A & H insurance is designed to protect the insurance
company against
a) malingering
b) over insurance
c) over utilization
d) adverse selection d) adverse selection
Which of the following would be classified as earned income for the purpose of calculating
disability income benefits?
1. income from IRA
2. income from stocks and bonds
a) 1 only
b) 2 only
c) both 1 and 2
d) neither 1 or 2 d) neither 1 or 2
If an insured is disabled and receiving benefits under an A & H policy that provides payment to
the insured for at least 2 years, at what intervals must the the insured provide notice of
continuing loss?
a) 3 months
b) 6 months
c) 9 months
d) 12 months b) 6 months
, An insured has a MAJOR MEDICAL policy that calls for a flat $2,000 deductible and 80%-20%
participation. If the insured incurs medical expenses of $6,000, he would receive benefits of
a) $2,000
b) $3,200
c) $4,800
d) $5,000 c) $4,800
Which of the following statements about Medicaid is (are) true?
a) is intended to provide medical assistance for certain categories of people who are needy.
b) the extent of covered costs varies among states.
c) both a and b
d) neither a or b c) both a and b
The primary purpose of the Coordination of Benefits provision found in group Medical Expenses
coverage is to:
a) prevent lengthy lawsuits between insurance companies
b) motivate hospitals to keep their charges reasonable and customary
c) prevent claimant from profiting from an injury or sickness
d) ensure equal payment of a claim by all insurance companies c) prevent claimant from
profiting from an injury or sickness
Which of the following statements about Medicare is (are) true?
a) payments are made directly to the hospital providing services rather than to the insured
