Free Group Health Insurance Practice Questions
Virginia Life, Accident & Health exam (series 11-01) — 53 practice questions.
Subtopics: 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, 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. A Virginia group health plan may not impose an eligibility waiting period longer than:
90 days
A health carrier offering group health coverage may not apply any waiting period that exceeds 90 days.
2. When a large group HMO contract ends, an enrollee who is totally disabled must receive an extension of benefits for a reasonable period of not less than:
180 days
Coverage continues for at least 180 days, until the enrollee is no longer totally disabled, or until a succeeding carrier covers the disabling condition, whichever applies.
3. Under Virginia's group health continuation law, how long may an eligible person continue coverage after losing eligibility?
12 months
Where COBRA does not apply, group hospital, medical-surgical, and major medical policies must allow 12 months of continuation without evidence of insurability.
4. Under Virginia's continuation law, the premium for continued group coverage may include an administrative fee of no more than:
2% of the current rate
The continuation premium is the insurer's current rate plus any administrative fee not exceeding two percent of the current rate.
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.
