Free Group Health Insurance Practice Questions
New Mexico Life, Accident & Health exam (series 18-27) — 46 practice questions.
Subtopics: Stop-loss, Small group, Group health certificate, NM continuation, Continuation election, Continuation without evidence, No continuation right, Medicare-eligible conversion, Divorced spouse coverage, Extended disability benefit, 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, Federal mandates, Probationary period, Blanket and franchise, Self-funded plans
Read the Group Health Insurance study guide
Sample questions & answers
1. Stop-loss coverage purchased by a New Mexico self-funded employer plan is designed to:
Protect the plan against claims exceeding a set amount
Stop-loss insurance protects a self-funded plan from losses above a specified attachment point per claim or in aggregate.
2. Under current New Mexico rules a small employer health plan generally must:
Accept eligible employees without excluding preexisting conditions
Current guaranteed-issue rules require small group plans to accept eligible employees without excluding preexisting conditions.
3. A New Mexico employee covered under a group health master policy should receive a certificate that:
Summarizes the coverage and the member's rights
The certificate of coverage summarizes the group benefits and the covered member's rights under the master policy.
4. Under New Mexico law, a member of an insured group health plan whose employment ends has the right to continue the group coverage for:
Six months, then convert to an individual policy
Group hospital, surgical and medical policies must let the departing member continue coverage for six months and then convert; there is no right if coverage ended for nonpayment.
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.
