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Arizona Health Insurance exam

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Arizona Health Insurance exam

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25 Questions

1. Employer group health insurance generally requires a depended of an employee to be:

- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyConcurrent review process

2. Generally - disability income policies do not cover losses sue to:

- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyConcurrent review processIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.

3. Issuers - brokers and agents

4. Under the ___________ of utilization management - the insurance company will monitor the insured's hospital stay to make sure that everything is proceeding according to schedule and that the insured will be released from the hospital as planned.

If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.Concurrent review process- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

5. Lloyd's associations

Provide support facilities for underwriters or groups of individuals that accept insurance risk- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.

6. What percentage of costs of care will the insurer cover in a bronze plan?

If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.60%- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony

7. Guaranteed issue

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceInsurance companies must accept any eligible applicant for individual or group insurance coverage; enrollment for coverage may be restricted to open or special enrollment periodsIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.

8. A health insurance exchange may cancel an enrollee's coverage in the event of any of the following:

- the enrollee is no longer eligible for coverage - premiums are no longer being paid and grace periods have been exhausted - the enrollee's coverage has been rescinded - the health plan terminates or is decertified - the enrollee changes from one plan to another- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.

9. Medical reimbursement benefit (nondisabling injury)

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyA benefit that provides for the payment of medical expenses incurred due to an accidental bodily injury when the insured is not disabledIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

10. Substandard

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceRisks that reflect an increased risk of loss to the insurer; these applicants may be able to obtain health insurance coverage at an increased premium

11. Usual and customary or reasonable and customary

If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.Except for nonpayment of premium - no __________ may terminate coverage of a spouse solely because of the occurrence of an event specified for termination of coverage of the insured.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony

12. Terminated employees are permitted to convert their group health coverage to individual insurance without __________ if the termination was voluntary or involuntary - except for termination due to gross misconduct. This option must be inititiated during the conversion period - which is within __________ days of termination of employment.

If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.Evidence of insurability/31- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony

13. Why is underwriting important when replacement is involved?

It is the underwriter's duty to evaluate risk and decide whether or not a person is eligible for coverage. The insured may be under the impression that a replacing policy is in their best interest - but after being evaluated by an underwriter - where premium and risk are exchanged - an insured may not be paying the same premium or receiving the same benefits.- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

14. A __________ plan protects the family or an individual against the economic loss that comes with the total disability of the wage earner.

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.Total disability

15. 12 months/18 months

If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyThe accountable health plan can not count a period of creditable coverage for an individual enrolled in a health benefits plan if - after the period of coverage and before the enrollment date - there were __________ during which the individual had no such coverage.

16. How long is a typical free-look/right to examine period?

10 days from the date the policy is delivered - but may vary for different types of policies- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.

17. Medicare supplement policy

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceIf the _________ is terminated by the group policyholder and is not replaced - the issuer must offer certificate holders an individual policy which - at the option of the certificate holder - provides for continuation of the benefits contained in the group policy - or provides the minimum benefits required by law.

18. Physical exam and autopsy provision

If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceGives the insurer the right to examine the insured - at its own expense - as often as may be reasonable necessary while a claim is pending. The insurer also has the right to conduct an autopsy - if not forbidden by state law.

19. __________ hazards involve evaluationg the character and reputation of the proposed insured.

Moral- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.

20. Old age survivors disability insurance

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.A federal program enacted in 1935 that was designed to provide protection for eligible workers and their dependents against financial loss due to old age - disability or death- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

21. When an individual first becomes eligible for medicare (starting 3 months before turning 65 - ending 3 months after 65th birthday)

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyMedicare general enrollment periodIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

22. Grace period

- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenanceIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.The period of time after the premium due date in which premium payments may still be paid before the policy lapses for nonpayment of the premium

23. Domestic insurer

- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felonyIf replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.An insurance company this is incorporated in this state - most often the state in which it was formed

24. 60%

In addition to geographic rating areas - the insurer may also use the following other factors to determine coverage premium rates:If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

25. Consideration

Something of value that each party gives to the other (a premium payment and the promise to pay in the event of loss)If replacement of a medicare supplement policy is involved - the insurance company or its agent must furnish the applicant with the __________ before issuing or delivering the new policy.- war - military service - intentionally self inflicted injuries - overseas residence - injuries suffered while committing or attempting to commit a felony- a spouse - a child younger than the limiting age - which includes natural children of the insured - stepchildren - children legally placed for adoption and legally adopted children - disabled children who are incapable of self-support as the result of a physical or mental disability - and are dependent upon the insured support and maintenance

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25 Questions

❤ If you liked Fatskills, consider supporting us by checking out The Life Manuals You Never Got.

About | Explore | User Guide | Topics | Subjects | Doubt Solver | Career Aptitude Test | Answers | Free Tools | What Should We Know? Privacy | Terms |

Without work one finishes nothing. - Ralph Waldo Emerson© 2026 Fatskills.com

All trademarks, logos and brand names are the property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, trademarks and brands does not imply endorsement.

About | Explore | User Guide | Topics | Subjects | Doubt Solver | Career Aptitude Test | Answers | Free Tools | What Should We Know?
Privacy | Terms |

Without work one finishes nothing. - Ralph Waldo Emerson
© 2026 Fatskills.com