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Arizona Health Insurance exam

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Arizona Health Insurance exam

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25 Questions

1. What is the basis of insurance?

Sharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's controlInsurers must be able to estimate the average frequency and severity of future losses and set appropriate premium rates

2. What does newborn child coverage entail?

Insurers must be able to estimate the average frequency and severity of future losses and set appropriate premium rates- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss

3. Insurable risks due to chance

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesSharing the risk among members of a large homogeneous group with similar exposure to lossA loss that is outside of the insured's controlInsurers must be able to estimate the average frequency and severity of future losses and set appropriate premium rates

4. Insurable risks that are statistically predictable

A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesInsurers must be able to estimate the average frequency and severity of future losses and set appropriate premium rates

5. Reports on previous insurance information can be obtained from the __________. Insurers can report on an applicant and receive coded information from any other applications for insurance submitted to other insurers.

Medical information bureauA loss that is outside of the insured's control- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesSharing the risk among members of a large homogeneous group with similar exposure to loss

6. What is the major difference between government programs and private insurance programs?

Government programs are funded with taxes and serve national and state social purposes - while private policies are funded by premiums.A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities

7. Old age survivors disability insurance

Sharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's controlA 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

8. __________ offers assistance as both and federal and a state sponsored program.

MedicaidSharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's control

9. Medicare supplement policy

A loss that is outside of the insured's controlEach __________ must be guaranteed renewable. The issuer may not cancel or nonrenew the policy solely on the ground of health status of the individual or for any reason other than nonpayment of premium or material misrepresentation.Sharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities

10. Medicare part d

A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to lossMedicare part d beneficiaries may choose between __________ that offer coverage on a fee for service basis - or __________ that group coverages together - including ppos and hmos (medicare advantage).- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities

11. An __________ (alumni or professional) can buy group insurance for its members. The group must have at least __________ members - be organizaed for a reason other than buying insurance - have been active for __________ years - have a constitution - by-laws - and must hold at least annual meetings.

Association group/100/2- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss

12. Which law forms the basis for statistical prediction of loss upon which insurance rates are calculated?

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesThe law of large numbersA loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss

13. Stop-loss

A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesThe amount that the insured pays out of pocket during the year; when the insured's out-of-pocket expenses reach the stop-loss - the insurance company then provides coverage at 100% of eligible expenses for the remainder of the year

14. To make sure that the insured is aware that the policy's benefits are limited - the insurance company must - by law - plainly state the __________ on the first page of the policy.

Limited policy noticeA loss that is outside of the insured's control- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesSharing the risk among members of a large homogeneous group with similar exposure to loss

15. __________ is a significant factor in health insurance underwriting because of the possibility of malingering - and it is the agent who actually has personal contact with the applicant. It is the responsibility of the agent to ask the applicant questions clearly and precisely and to record the answers accurately.

Sharing the risk among members of a large homogeneous group with similar exposure to lossA loss that is outside of the insured's controlMoral hazard- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities

16. What does occupational disability coverage do?

A loss that is outside of the insured's controlProvides benefits for illness - injury or disability resulting from accidents or sicknesses that occur on or off the job.Sharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities

17. With a cob provision - if a married couple both ave group coverage in which they are named as dependent's on the other' policy - then the person's own group coverage will be considered __________. The __________ coverage (the spouses coverage) will pick up where the first policy left off.

A loss that is outside of the insured's control- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesPrimary/secondarySharing the risk among members of a large homogeneous group with similar exposure to loss

18. Accidental death and dismemberment limited policy

Sharing the risk among members of a large homogeneous group with similar exposure to lossA policy that provides for the payment of a lump sum benefit - in the event that the insured dies from an accident as defined in the policy or in the event of certain body parts caused by an accident; only pays for accidental losses- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's control

19. The patient protection and affordable care act mandates increased preventive - educational - and community based health care services. To help lower costs of health insurance - the purpose of the ppaca is to:

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities- set up a new competitive private health insurance market - hold insurance companies accountable by keeping premiums low - preventing denials of care and allowing applicants with pre-existing conditions to obtain coverage - help stabilize budget and economy through reducing the deficit by cutting government overspending - extend coverage for adult children in both individual and group health plans until age 26Sharing the risk among members of a large homogeneous group with similar exposure to lossA loss that is outside of the insured's control

20. If the policy has been continued beyond its original term - the __________ may cancel the policy at any time- effective on receipt of written notice. In these situations - the insurer will return any unearned premiums.

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesSharing the risk among members of a large homogeneous group with similar exposure to lossInsuredA loss that is outside of the insured's control

21. Qualifying life events under cobra include:

A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss- voluntary termination of employment - termination of employment for reasons other that gross misconduct (ex: company downsizing) - employment status change from full time to part time- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalities

22. Dental expense

A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA form of medical expense health insurance that covers the treatment - care and prevention of dental disease and injury to the insured's teeth; an important feature of this plan that is not typically found in a medical expense insurance plan ins the inclusion of diagnostic and preventive care

23. Why do group contributory and noncontributory plans have participation percentage requirements?

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesTo guard the insurer against adverse selection and to reduce administrative costs.A loss that is outside of the insured's controlSharing the risk among members of a large homogeneous group with similar exposure to loss

24. Medical reimbursement benefit (nondisabling injury)

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesSharing the risk among members of a large homogeneous group with similar exposure to lossA loss that is outside of the insured's controlA benefit that provides for the payment of medical expenses incurred due to an accidental bodily injury when the insured is not disabled

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

- coverage for the newborn child of the insured from the moment of birth - coverage for injury or sickness - coverage for necessary care and treatment of medically diagnosed congenital birth defects and birth abnormalitiesA loss that is outside of the insured's controlMedicare general enrollment periodSharing the risk among members of a large homogeneous group with similar exposure to loss

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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