Free Group Health Insurance Practice Questions
North Carolina Accident & Health exam — 87 practice questions.
Subtopics: Eligibility, Master policy, Noncontributory plan, Conversion, COBRA concept, Experience rating, Probationary period, Blanket coverage, Franchise insurance, Group replacement, Employer premium default, Insurance fiduciary penalties, State continuation eligibility, State continuation election, State continuation premium, State continuation duration, State continuation benefits, State continuation exception, Conversion and Medicare, Conversion deadline, Accident definitions in group, Payroll deduction lapse notice, 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 through an employer generally covers:
Eligible employees and often their dependents
Group health plans cover eligible employees of the sponsoring group and frequently their dependents, with eligibility based on factors such as full-time status.
2. In group insurance, the contract is issued to the employer as the:
Master policyholder
In group coverage, the insurer issues a master policy to the group sponsor (such as the employer), and covered individuals receive certificates of coverage.
3. In a noncontributory group health plan, the premium is paid:
Entirely by the employer
In a noncontributory plan the employer pays the entire premium, and participation is typically required for all eligible employees, reducing adverse selection.
4. A conversion privilege in a group health plan generally allows a departing employee to:
Get an individual policy without proof of insurability
North Carolina requires group hospital, surgical and major medical policies to let a terminated member obtain a converted individual policy without evidence of insurability; the application and first premium are due within 31 days after continuation coverage ends.
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.
