Free Group Health Insurance Practice Questions
Minnesota Accident & Health exam — 94 practice questions.
Subtopics: Eligibility, Master policy, Conversion, Noncontributory plan, COBRA concept, Experience rating, Probationary period, Disabled dependents, State continuation scope, Continuation period, Continuation premium, Continuation notice, Continuation election, Employer liability, Continuation eligibility, Spouse continuation at Medicare, Divorce, Former spouse continuation, Survivor continuation, Survivor premiums, Disabled employees, Total disability defined, Maternity benefits, Small employers, Participation requirements, Guaranteed issue, Shrinking small groups, Conversion fees, Master contract, Certificate of coverage, Contributory plan, Eligible groups, Group underwriting, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Coordination of benefits, 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, 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. Group health insurance generally requires that the group exist for what purpose?
A purpose other than to obtain insurance
Minnesota requires an association group, for example, to be organized and maintained in good faith for purposes other than obtaining insurance.
2. In group health insurance the contract is issued to whom?
The policyholder such as the employer with certificates to members
The master policy is issued to the group policyholder, such as the employer, while covered members receive certificates of coverage.
3. A conversion privilege in group health coverage generally allows an employee who leaves to do what?
Convert to an individual policy without proof of insurability
A conversion privilege lets a departing insured convert to an individual policy, typically without evidence of insurability, within the allowed period.
4. In a noncontributory group health plan what is generally true about participation?
All eligible employees are covered; the employer pays it all
In a noncontributory plan the employer pays the entire premium, and generally all eligible employees must be covered to limit adverse selection.
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.
