Free Group Health Insurance Practice Questions
Minnesota Life, Accident & Health exam — 58 practice questions.
Subtopics: 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, 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 Minnesota group health plan that offers dependent coverage must cover disabled dependents. Which condition may it NOT impose on them?
Preexisting condition limits or health underwriting
Minn. Stat. 62A.141 requires group plans with dependent coverage to cover disabled dependents without preexisting condition limits, insurability, eligibility, or underwriting requirements.
2. Minnesota's state law on continuation of employer group health coverage applies to which plans?
Group policies covering Minnesota residents employed in Minnesota
Minn. Stat. 62A.16 applies the continuation and conversion rules to all group policies and subscriber contracts covering hospital or medical expenses of Minnesota residents employed in the state, and to employer HMO plans.
3. Under Minnesota's continuation law, a terminated or laid-off employee may continue group health coverage until covered by another group plan or for up to how long?
18 months
Minn. Stat. 62A.17, subd. 2 allows continuation until the employee is covered under another group plan or 18 months, whichever is shorter.
4. What is the maximum premium that may be charged for Minnesota group health continuation coverage?
102% of the plan's cost
Minn. Stat. 62A.17, subd. 2 caps the premium at 102 percent of the cost to the plan for similarly situated employees.
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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.
