Free Group Health Insurance Study Guide
Mississippi Life, Accident & Health exam — Group Health Insurance.
The national Group Health guide covers group underwriting, COBRA, HIPAA and coordination of benefits. This guide covers Mississippi's state continuation law (Miss. Code 83-9-51) and the carrier-change rules (83-9-35).
State continuation (83-9-51)
| Rule | Mississippi requirement |
|---|---|
| Length | Up to 12 months after group coverage would otherwise end |
| Eligibility | Continuously covered for the 3 months right before termination |
| Not eligible | Anyone who is or could be covered by another group arrangement within 31 days after termination |
| Election | Within 30 days after the notice |
| Dependent spouse | May continue for up to 12 months after the employee's death or a divorce |
Federal COBRA (employers with 20 or more employees) is covered in the national guide. Mississippi's continuation is shorter.
Changing carriers (83-9-35)
- Prior coverage credit for coverage that ended no more than 30 days before the new coverage took effect.
- Deductible credit for expenses applied to the old plan's deductibles in the 90 days before the new plan's effective date.
Related rules
- Coordination of benefits (Reg. 88-102): "other plans" include group and individual policies, HMOs, self-insured plans and auto med pay. They don't include Medicaid, hospital indemnity or specified-disease policies. See the Mississippi Medical Plans guide.
- Health claims follow the 25/35-day prompt-pay rule with 3% monthly interest (83-9-5).
Common exam traps
- Mississippi continuation: 12 months, with 3 months of prior coverage required and 30 days to elect.
- No continuation if other group coverage is available within 31 days.
- Deductible credit: expenses in the last 90 days. Prior coverage gap: no more than 30 days.
Practice Group Health Insurance questions All Life, Accident & Health topics
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.
