Free Group Health Insurance Practice Questions
Montana Life, Accident & Health exam — 41 practice questions.
Subtopics: Coordination of benefits, Group conversion, Reduced hours, Disabled dependents, Characteristics, Underwriting, COBRA, Conversion, Contributory, HIPAA, Contributory plan, Experience rating, Self-funded plan, Cafeteria plan, ERISA, Eligibility and HIPAA, COBRA premium, Medicare secondary payer, Eligible groups, Employer mandate, Small group, Federal mandates, Probationary period, Blanket and franchise, Self-funded plans, Stop-loss
Read the Group Health Insurance study guide
Sample questions & answers
1. A retiree has coverage as a retiree under one plan and as the dependent of an active employee under another. Under Montana's active/retired rule, which plan is primary?
The plan covering the person through active employment
A plan covering a person as an active employee or as the dependent of an active employee is primary to a plan covering the person as a retired or laid-off employee.
2. Under Montana's COB rule, the primary plan pays benefits:
As if the secondary plan did not exist
The primary plan must pay or provide its benefits as if the secondary plan or plans did not exist.
3. Montana caps a group health conversion policy premium for a person insured under the group more than 3 years at:
150% of the customary rate
The conversion premium may be up to 200% of the customary rate, reduced to 150% if the person has been insured for more than 3 years.
4. Montana's reduced-work-schedule continuation lets an employee stay on group health coverage for up to 1 year, provided:
The employer or trustees consent
Continuation for 1 year despite reduced work hours requires the consent of the employer or trustees, at the same premium as the class.
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.
