Free Group Health Insurance Practice Questions
Colorado Accident & Health exam — 85 practice questions.
Subtopics: Master contract, Experience rating, Noncontributory plan, COBRA continuation, Conversion privilege, Actively at work, Coordination of benefits, Group appeals, State continuation, Small employer definition, Eligible employee, Participation requirements, Small group waiting period, Small group guaranteed issue, Small group surcharge, Certificate of coverage, Contributory plan, Eligible groups, Group underwriting, Probationary period, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Pre-existing conditions group, Self-funded plan, Section 125 plan, Community rating, Minimum participation requirement, Actively-at-work provision, Late enrollee, COBRA qualifying events, COBRA election period, ERISA summary plan description, ERISA fiduciary standards, Multiple Employer Welfare Arrangement, Multiple Employer Trust, Dependent eligibility, Specific stop-loss insurance, Family and Medical Leave Act coverage, Small group guaranteed renewability, Characteristics, Eligibility, Employer mandate, Small group, COBRA, Termination of coverage, Replacement of carrier, Underwriting, Self-funded plans, Group vs. individual, Military reinstatement, Employer-provided options
Read the Group Health Insurance study guide
Sample questions & answers
1. In group health insurance, the master contract is issued to:
The employer or group sponsor
In group coverage, the sponsor (often the employer) holds the master contract and individual members receive certificates of coverage.
2. Experience rating of a group health plan sets premiums based on:
The group's own claims history
Experience rating bases the group's premium on that specific group's prior claims experience.
3. In a noncontributory group health plan:
The employer pays the entire premium
In a noncontributory plan, the employer pays the full premium and usually 100 percent of eligible employees must be covered to limit adverse selection.
4. Federal COBRA continuation generally allows eligible employees who lose group coverage to:
Continue group coverage for a limited time by paying the premium
COBRA lets qualified beneficiaries continue group coverage for a limited time after a qualifying event, generally by paying the full premium.
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.
