Free Group Health Insurance Practice Questions
Massachusetts Accident & Health exam — 85 practice questions.
Subtopics: Coordination of benefits, Eligibility, Conversion, Contributory plans, Experience rating, Continuation, Plant closing, Leaving the group, Divorce, Small group continuation, Small group, Master contract, Certificate of coverage, Noncontributory plan, 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, Conversion privilege, 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, 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. When a person is covered by two group health plans, coordination of benefits is used to:
Prevent the insured from collecting more than the total expense
Coordination of benefits determines primary and secondary payers so total payment does not exceed the actual expense.
2. In a typical employer group health plan, eligibility for coverage is usually based on:
Full-time active employment and satisfying any waiting period
Group eligibility generally requires being an active full-time employee and meeting the plan's waiting period.
3. A conversion privilege in a group health plan generally allows an eligible person to:
Obtain an individual policy without new evidence of insurability when group coverage ends
A conversion privilege lets a departing member obtain individual coverage without proving insurability within a set time.
4. In a contributory group health plan:
Employees pay part of the premium
In a contributory plan, employees pay part of the premium; under M.G.L. c.175, s.110 such a group policy offered to all eligible employees must insure at least 75 percent of them.
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.
