Free Group Health Insurance Practice Questions
Louisiana Life, Accident & Health exam — 47 practice questions.
Subtopics: Group notice of changes, State continuation, Surviving spouse continuation, Disabled dependents, Newborn coverage, Characteristics, Underwriting, COBRA, Conversion, Contributory, HIPAA, Contributory plan, Experience rating, Self-funded plan, Cafeteria plan, ERISA, Eligibility and HIPAA, COBRA premium, Coordination of benefits, Medicare secondary payer, Eligible groups, Employer mandate, Small group, Federal mandates, Probationary period, Blanket and franchise, Self-funded plans, Stop-loss
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Sample questions & answers
1. A Louisiana insurer plans to raise group health rates 25 percent at renewal. It must notify the policyholder in writing at least:
45 days before the increase
R.S. 22:978(A)(1) requires at least forty-five days' written notice before a rate increase of twenty percent or more, and sixty days before cancellation or nonrenewal.
2. How much advance written notice must a Louisiana insurer give a group health policyholder before nonrenewing the policy (other than for nonpayment)?
60 days
R.S. 22:978(A)(1) requires at least sixty days' notice before cancellation or nonrenewal; the notice rule does not apply to cancellation for nonpayment.
3. Louisiana's group health continuation law lets an eligible employee whose employment ends continue coverage for up to:
12 months
R.S. 22:1046(G)(1) ends continuation no later than twelve months after the date insurance would otherwise have terminated.
4. To qualify for continuation under R.S. 22:1046, the employee must have been continuously insured under the group policy for at least:
Three months before termination
R.S. 22:1046(C) requires continuous coverage under the group policy (or one it replaced) for three consecutive months immediately before termination.
All Life, Accident & Health topics
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.
