Free Group Health Insurance Practice Questions
Maryland Life, Accident & Health exam — 46 practice questions.
Subtopics: Adding children after spouse dies, State continuation length, State continuation eligibility, State continuation election, State continuation premium, State continuation end, Continuation after death, Continuation after divorce, Small employer definition, Small employer guarantee, 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 Maryland group member's spouse dies, and the children had been covered under the spouse's group plan. The member may add the children to the member's own group coverage without evidence of insurability if done within:
6 months after the spouse's death
Group expense-incurred policies must allow adding dependent children previously covered under the deceased spouse's plan at any time without evidence of insurability, exercised within 6 months after the death.
2. Maryland's state continuation law requires insured group health contracts to offer an employee whose employment ends (other than for cause) continuation coverage for up to:
18 months
Continuation after a change in status lasts until the earliest of 18 months, nonpayment, other group or Medicare coverage, voluntary termination, or the employer ending its plan.
3. To be eligible for Maryland state continuation after leaving a job, an employee must be a Maryland resident covered under the employer's group contract for at least:
3 months before the change in status
An "insured" for state continuation is a Maryland resident employee covered under the current or predecessor group contract with the same employer for at least 3 months.
4. Under Maryland state continuation, the election period begins on the date of the change in status and lasts at least:
45 days
The election period runs at least 45 days after the change in status; the employer must send an election form within 14 days after a request.
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.
