Free Group Health Insurance Practice Questions
North Carolina Life, Accident & Health exam — 51 practice questions.
Subtopics: 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, 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. Which of the following can be a blanket accident and health policyholder under North Carolina law?
A college covering its students
Blanket policies may be issued to groups such as common carriers for passengers, employers for exceptional hazards, schools and colleges, volunteer fire and rescue organizations, and qualifying associations.
2. In North Carolina, franchise accident and health insurance is individual policies issued under an employer arrangement to at least how many employees?
Five
Franchise insurance is individual-form accident and health policies issued to five or more employees of an employer, or 10 or more members of a qualifying association or union, with premiums remitted by the employer or association.
3. An employer replaces its group medical contract with another insurer within 15 days after the old coverage ends. A person validly covered under the old plan but not eligible under the new plan's terms must:
Still be covered by the succeeding insurer
When a group contract is replaced within 15 days, the succeeding insurer must cover eligible persons under its plan, and also cover persons validly covered under the prior plan on discontinuance who are in the eligible class.
4. An employer intends to stop paying premiums on its group health coverage. Under North Carolina law, it must give covered persons written notice at least how long before the coverage terminates?
45 days
An insurance fiduciary may not willfully fail to deliver, at least 45 days before termination, written notice to all covered persons of its intention to stop paying group health or life premiums.
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.
