Free Group Health Insurance Practice Questions
New Jersey Life, Accident & Health exam — 54 practice questions.
Subtopics: Small employer defined, Eligible employee, SEH guaranteed issue, SEH preexisting, SEH membership, NJ continuation length, NJ continuation dependents, NJ continuation election, NJ continuation premium, NJ continuation vs COBRA, NJ continuation end, Disability continuation, Disability continuation cost, Group health definition, Newborn coverage, Newborn notice, Dependent to 26, Disability income dependents, 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. For New Jersey's Small Employer Health Benefits Program, a small employer generally employed an average of:
At least 2 but not more than 50 eligible employees
A small employer employed an average of at least two but not more than 50 eligible employees in the prior year, with most employees employed in New Jersey.
2. Under New Jersey's small employer health law, an "eligible employee" is a full-time employee with a normal work week of at least:
25 hours
An eligible employee is a full-time employee working a normal work week of 25 or more hours.
3. Under New Jersey's small employer law, a small employer that pays the premium and meets the plan's participation requirements:
Must be issued a policy by the carrier
Every small employer that elects coverage, pays the premium and satisfies participation requirements shall be issued a policy or contract.
4. Under current New Jersey small employer health law, a preexisting condition exclusion in a small employer health benefits plan is:
Not permitted, regardless of the cause of the condition
No health benefits plan subject to the small employer act may exclude coverage for a preexisting condition, regardless of cause.
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.
