Accident And Health Insurance

Question 1

A health benefit plan that provides maternity benefits must provide at least how many hours of inpatient care for the mother and newborn infant following a delivery by Cesarean section?

Answer 1

Is 96 hours.

Question 2

Health Insurance policies that cover women 35 years old and older must cover annual mammography screenings for women aged?

Answer 2

40 and older.

Question 3

Coverage for children under family Health Insurance policies begins?

Answer 3

When the child is born.

Question 4

Insureds under non cancellable accident and Health Insurance policies have the right to continue their coverage by the timely payment of premiums until they are?

Answer 4

Age 65 or eligible for medicare.

Question 5

Long-term care policies can? [Hint…certain “drinking”-ism🍷 limits this type of coverage..]

Answer 5

Limit coverage for alcoholism.

Question 6

Individual medicare supplement policies sold in Oklahoma must have a projected loss ratio of at least?

Answer 6

65%

Question 7

The required free look period for individual long-term care policies issued in Oklahoma is?

Answer 7

30 days.

Question 8

What statement regarding benefits for children covered under family policies is not correct?

Answer 8

New family members who are adopted do not receive the same coverage as other dependent children.

Question 9

What is NOT a required benefit under individual or group health plans?

Answer 9

Cosmetic surgery for esthetic purposes.

Question 10

An eligible individual who is severely disabled or under 8 years of age and has a medical or emotional condition is entitled to what additional coverage when receiving dental treatment?

Answer 10

Anesthesia.

Question 11

A policy owner of a medicare supplement Insurance policy is entitled to a free look period of how many days after receiving the policy?

Answer 11

30 days.

Question 12

The required free look period for individual Health Insurance policies issued in Oklahoma is?

Answer 12

10 days.

Question 13

Long-term care insurance policies can ?

Answer 13

Establish a new waiting period if the insured decides to increase benefits.

Question 14

A long-term insurer cannot deny a claim for losses that occurred more than how long after the effective date of coverage because of a pre-existing condition?

Answer 14

6 months.

Question 15

Using a method of marketing medicare supplement fails to obviously disclose that a purpose of the marketing is selling insurance and that contact will be made by insurance agent or Insurance Company is known as?

Answer 15

Cold lead advertising.

Question 16

The open enrollment. for medicare supplements coverage lasts for how many months, beginning with the 1st day of the 1st month in which an individual is both 65 years of age are older and is enrolled for benefits under medicare part B?

Answer 16

6 months.

Question 17

All of the following statements about medicare supplement policies are correct except?

Answer 17

They may pay back against losses resulting from sickness on a different basis than losses resulting from accidents.