Free Group Health Insurance Practice Questions
Washington Life, Accident & Health exam — 41 practice questions.
Subtopics: Small employer, Continuation option, Conversion, Out-of-state group, Characteristics, Underwriting, COBRA, 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
Read the Group Health Insurance study guide
Sample questions & answers
1. For Washington health insurance purposes, a small employer is one that employed an average of:
At least 1 but no more than 50 employees in the prior year
RCW 48.43.005 defines small employer or small group as averaging at least one but no more than 50 employees during the previous calendar year.
2. A Washington insurer issuing group hospital or medical expense coverage must offer the policyholder an option to include a provision that lets a person who loses eligibility:
Continue group benefits for an agreed period and rate
RCW 48.21.250 (and parallel HCSC and HMO laws) requires offering a continuation option, after which the person may convert.
3. A Washington group medical insurer need NOT offer a conversion policy to a departing member who:
Is eligible for federal Medicare coverage
RCW 48.21.260(2) excuses conversion for persons terminated for misconduct (though spouse and dependents keep rights), those eligible for Medicare, and those covered under another group plan.
4. An employee is fired for misconduct from a Washington employer with group medical insurance. Regarding conversion:
Conversion must still be offered to the spouse and dependents
RCW 48.21.260(2)(a) lets the insurer deny conversion to the employee terminated for misconduct but requires offering it to the spouse and dependents.
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.
