Free Group Health Insurance Practice Questions
Virginia Accident & Health exam (series 11-06) — 89 practice questions.
Subtopics: Master policy, Certificate, Eligibility, Conversion, Coordination of benefits, Noncontributory plan, Contributory plan, Waiting periods, HMO extension of benefits, State continuation, State continuation and COBRA, Small employer, Small group eligibility, Small group availability, Group renewability, Health status eligibility, Association groups, Dependent students, Military reinstatement, Master contract, Certificate of coverage, Eligible groups, Group underwriting, Probationary period, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Pre-existing conditions group, Self-funded plan, Section 125 plan, Conversion privilege, Experience rating, 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, Employer-provided options
Read the Group Health Insurance study guide
Sample questions & answers
1. In group health insurance the contract is issued to the:
Group sponsor, which holds the master policy
In group insurance the master contract is issued to the sponsor (such as the employer), and covered persons receive certificates.
2. Each covered employee in a group health plan generally receives:
A certificate describing the coverage
Each group accident and sickness policy must provide for certificates describing each insured person's protection, limitations, beneficiaries, and continuation rights.
3. Group health underwriting generally evaluates:
The group as a whole rather than each person
Group underwriting evaluates the characteristics of the group as a whole, such as size, makeup, and persistency, rather than each individual.
4. A conversion privilege in group health insurance lets a departing member:
Convert without proof of insurability within the time allowed
A conversion privilege lets a person whose group coverage ends obtain individual coverage without evidence of insurability if applied for within the allowed period.
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.
