Free Group Health Insurance Practice Questions
Connecticut Accident & Health exam (series 12-CT-02) — 81 practice questions.
Subtopics: Group underwriting, Conversion privilege, Contributory plan, Master policy, COBRA, Coordination of benefits, Eligibility, Alcoholism complications, State continuation, Illness absence, Extension of benefits, Continuation and Medicare, Replacement credit, Small employer, Health Reinsurance Association, Group LTC conversion, Master contract, Certificate of coverage, Noncontributory plan, Eligible groups, 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, Experience rating, 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, Employer mandate, Small group, 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. A key advantage of group health insurance is that individual members generally:
Are underwritten as a group rather than individually
Group coverage underwrites the group as a whole, so members generally do not provide individual evidence of insurability.
2. A conversion privilege in a group plan allows a member who leaves the group to:
Convert to an individual policy without new evidence of insurability
A conversion privilege lets a departing member obtain individual coverage without proving insurability; Connecticut's group long-term care rule, for example, requires conversion without evidence of insurability.
3. In a contributory group health plan, the cost of coverage is:
Shared by the employer and the participating employees
In a contributory plan, employees pay part of the premium along with the employer, and higher participation is generally required.
4. In group health insurance, the master policy is issued to the:
Plan sponsor such as the employer
The master contract is issued to the plan sponsor (employer), while members receive certificates of coverage.
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.
