Free Group Health Insurance Practice Questions
West Virginia Accident & Health exam — 71 practice questions.
Subtopics: Small employer definition, Layoff continuation, Group certificates, New employees, Group application statements, Small employer affiliates, Master contract, Certificate of coverage, Noncontributory plan, Contributory plan, Eligible groups, Group underwriting, Probationary period, Open enrollment, COBRA eligibility, COBRA duration termination, COBRA duration 36 months, COBRA premium, Coordination of benefits, 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, Eligibility, Employer mandate, Small group, COBRA, Termination of coverage, Replacement of carrier, Underwriting, Self-funded plans, Group vs. individual, Military reinstatement, Employer-provided options
Read the Group Health Insurance study guide
Sample questions & answers
1. For West Virginia's small employer health insurance law, a small employer is one that employed an average of:
At least 2 but no more than 50 eligible employees
Article 16D defines a small employer as one that employed an average of no more than fifty but not fewer than two eligible employees in the preceding calendar year.
2. Under West Virginia law, members of an employee group health plan who are involuntarily laid off may continue paying the group rate for the same coverage for up to:
18 months
Group A&S policies must let members who are involuntarily laid off pay premiums at the group rate and keep the same coverage for up to eighteen months.
3. Under West Virginia's group accident and sickness law, how many certificates must be issued when dependents are covered?
One certificate per family unit
The insurer furnishes the policyholder an individual certificate for each employee or member describing the coverage; if dependents are included, only one certificate is needed per family unit.
4. West Virginia requires group health policies to provide that new employees in eligible classes:
Are added to the group as they become eligible
Group policies must provide that new employees or members in eligible classes are added from time to time under the policy's terms.
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.
