Free Group Health Insurance Practice Questions
West Virginia Life, Accident & Health exam — 44 practice questions.
Subtopics: Coordination of benefits, Group conversion, COBRA continuation, Layoff continuation, Group certificates, New employees, Group application statements, Small employer affiliates, Characteristics, Underwriting, COBRA, Conversion, Contributory, HIPAA, Contributory plan, Experience rating, Self-funded plan, Cafeteria plan, ERISA, Eligibility and HIPAA, COBRA premium, 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. When a person is covered by two group health plans, the coordination of benefits provision:
Prevents duplicate payment beyond the actual expense
Coordination of benefits prevents the insured from collecting more than the actual expense when covered by more than one plan.
2. An employee losing group health coverage may have the right to convert to an individual policy:
Without underwriting, within the time allowed
Group health conversion rights generally let a departing member convert to an individual policy within the allowed time, subject to plan terms.
3. Federal COBRA continuation allows certain employees who lose group coverage to:
Continue group coverage for a limited time, usually paying the full premium
COBRA lets qualified individuals continue group health coverage for a limited period, generally by paying the full premium plus an allowed fee.
4. 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.
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.
