Free Group Health Insurance Practice Questions
Alabama Life, Accident & Health exam — 39 practice questions.
Subtopics: Group disability provisions, Coordination of benefits, Characteristics, Underwriting, COBRA, Conversion, Contributory, HIPAA, Contributory plan, Experience rating, Self-funded plan, Cafeteria plan, ERISA, Eligibility and HIPAA, COBRA premium, Medicare secondary payer, Eligible groups, Employer mandate, Small group, Federal mandates, Probationary period, Blanket and franchise, Self-funded plans, Stop-loss
Read the Group Health Insurance study guide
Sample questions & answers
1. An Alabama group health (disability) policy must provide that each covered employee receives:
A summary of the essential features of the coverage
The insurer must furnish the policyholder, for delivery to each employee or member, a summary statement of the essential features of the coverage; one certificate per family unit suffices for dependents.
2. Under an Alabama group health policy, a statement made by an employee to obtain coverage can void the insurance or reduce benefits only if:
It is in a signed writing, a copy of which the employee received
Absent fraud, statements are representations, and none may void the insurance or reduce benefits unless contained in a signed written instrument a copy of which was furnished.
3. Alabama's group coordination of benefits regulation establishes order-of-benefit rules so that:
The primary plan pays first, and total payments do not exceed allowable expenses
COB rules determine which plan is primary and limit total payments from all plans to the allowable expense, preventing over-insurance.
4. Group health insurance is generally issued to an employer using a:
Master policy, with certificates issued to the employees
The group sponsor holds the master policy; covered members receive certificates summarizing their coverage.
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Practice: Group Health Insurance
Answer choices are shuffled every time, and every question comes with an explanation.
Practice questions are study aids generated for exam preparation and are not actual exam questions. Content is provided for educational purposes and is not legal advice. Verify current statutes, rules, and exam specifications with the Insurance Department and the exam administrator before relying on it.
