MarylandAccident and Health or Sickness Producer Series 20-24 Exam (Accident-and-Health-or-Sickness-Producer) Free Practice Test

Question 1

When the employer pays the premium, covered individuals normally receive tax-free benefits under all of the following group health plans EXCEPT:

A. Disability income

B. Health maintenance organization

C. Dental

D. Major medical

Correct Answer: A

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Question 2

A nonprofit health service plan may NOT issue a contract that covers which of the following types of benefits?

A. Medical expense benefits

B. Disability income benefits

C. Dental benefits

D. Vision benefits

Correct Answer: B

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Question 3

Which feature in a long-term care insurance policy is designed specifically to provide benefits at times when family members need a break from caring for the insured?

A. Home health care

B. Respite care

C. Custodial facility care

D. Skilled nursing facility care

Correct Answer: B

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Question 4

If an individual's occupation is considered to be illegal:

A. It may require a waiver on a disability income insurance policy

B. It results in a substandard rating on an accident and health insurance policy

C. It must be stated as such on an accident and health insurance application

D. It may result in a denial of a disability income claim

Correct Answer: D

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Question 5

The free-look period provided in a life insurance policy is usually:

A. 10 days

B. 31 days

C. 45 days

D. 60 days

Correct Answer: A

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Question 6

To be eligible for major medical extended care benefits, a patient must:

A. Require continuous skilled nursing care

B. Be terminally ill

C. Require physical therapy

D. Have had surgery

Correct Answer: A

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Question 7

Medical charges that fall within the range of fees normally charged for a given procedure in a certain geographical area are called:

A. Scheduled charges

B. Reasonable and customary charges

C. Preapproved charges

D. Utilization charges

Correct Answer: B

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Question 8

A health maintenance organization (HMO) must provide coverage for all of the following EXCEPT:

A. Routine physical examinations

B. Emergency services

C. Dental and vision care

D. Well-baby or well-child care

Correct Answer: C

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Question 9

All advertisements for health insurance shall make clear the identity of the:

A. Insured

B. Beneficiary

C. Insurance Commissioner

D. Insurer

Correct Answer: D

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Question 10

All of the following are common features found in health maintenance organizations (HMOs) EXCEPT:

A. Twenty-four hour access to emergency care

B. Outpatient medical services

C. Wellness programs

D. Discounts on local health spa memberships

Correct Answer: D

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Maryland Insurance Administration MarylandAccident and Health or Sickness Producer Series 20-24 (Accident-and-Health-or-Sickness-Producer) Free Practice Test