Free Medical Plans Practice Questions
California Life, Accident & Health exam (series Life, Accident & Health) — 57 practice questions.
Subtopics: Pre-existing conditions, Maternity stay, Mental health parity, Mammography coverage, Dollar limits, Preventive services, Adopted children, Fertility mandate, Mastectomy stays, Cervical screening, Parity scope, Disabled dependents, Prostate screening, Maternity cost sharing, Covered California, Exchange agent certification, Premium tax credits, Medi-Cal MAGI, Medical loss ratio, Self-insured plans, Types, Cost sharing, Cost containment, Point-of-service plan, Health savings account, Health reimbursement arrangement, Flexible spending account, Capitation, Precertification, Basic hospital expense, Major medical, ACA metal tiers, Essential health benefits, Lifetime limits, Preventive care, Special enrollment, HDHP and HSA, Managed care, Usual, reasonable and customary, Basic surgical, Short-term medical, Vision insurance
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Sample questions & answers
1. In the California individual health market, pre-existing condition exclusions are:
Generally prohibited
California prohibits preexisting condition provisions in group plans and nongrandfathered individual plans, consistent with the ACA.
2. A California health policy with maternity coverage may not limit an inpatient stay to less than:
48 hours vaginal and 96 hours cesarean
California mandates minimum inpatient stays of 48 hours after vaginal delivery and 96 hours after cesarean.
3. California's mental health parity law requires covered plans to provide mental health benefits:
On terms no more restrictive than medical benefits
California requires mental health and substance use disorder coverage under terms no more restrictive than medical benefits.
4. California individual and group disability policies must provide coverage for:
Screening or diagnostic mammography
California mandates coverage of mammography for screening or diagnostic purposes upon proper referral.
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Practice: Medical Plans
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.
