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HEALTH LICENSE EXAM BRAND NEW
ACTUAL EXAM WITH ANSWERS.
Which of the following groups is ineligible for group insurance?
Select one:
a. Funeral trusts
b. Government entities
c. Public employee associations
d. A sports team formed to procure insurance - correct answer -A
sports team formed to procure insurance
If a person has both Medicare and a work plan, which payor is
secondary?
Select one:
a. Work
b. Medicare
c. He can pick.
d. They will split the cost. - correct answer -Medicare
Which of the following must happen before an HIV test is
performed on an applicant?
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Select one:
a. The insurer must inquire about the applicant's sexual
orientation.
b. A consent form must be signed by the applicant prior to the
test.
c. The Insurer must inform all non-entitled parties to the upcoming
test.
d. The insurer must inform the state Department of Health of
upcoming test. - correct answer -A consent form must be signed
by the applicant prior to the test.
If an insurance agent offers to split their commission with a
prospective applicant, this would be considered:
Select one:
a. Twisting
b. Intimidation
c. Boycott
d. Rebating - correct answer -Rebating
Eligibility for the payment of long-term care benefits may not be
more restrictive than requiring a deficiency in the ability to perform
not more than how many activities of daily living?
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Select one:
a. 1
b. 2
c. 3
d. 4 - correct answer -Eligibility for the payment of long-term care
benefits may not be more restrictive than requiring either a
deficiency in the ability to perform not more than 3 activities of
daily living or the presence of cognitive impairment.
The correct answer is: 3
Physicians and outpatient coverage is provided by which part of
Medicare?
Select one:
a. Part A
b. Part B
c. Part C
d. Part D - correct answer -Part B
Which managed care program has a larger service area, wider
range of provider choices, no gatekeeper and coverage for
emergency treatment outside of the provider list?
Select one:
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a. HMO
b. PPO
c. POS
d. HSA - correct answer -The services and provision listed are
generally associated with a PPO (Preferred Provider
Organization.
The correct answer is: PPO
If health insurance premiums are not tax-deductible, the benefits
are:
Select one:
a. Always tax-free.
b. Tax-free, as long as they do not exceed the actual cost of
medical expenses.
c. Taxable as ordinary income.
d. Only tax-free for disability income insurance. - correct answer -
If the premiums are not tax-deductible, the benefits are tax-free,
as long as they do not exceed the actual cost of medical
expenses.
The correct answer is: Tax-free, as long as they do not exceed
the actual cost of medical expenses.
HEALTH LICENSE EXAM BRAND NEW
ACTUAL EXAM WITH ANSWERS.
Which of the following groups is ineligible for group insurance?
Select one:
a. Funeral trusts
b. Government entities
c. Public employee associations
d. A sports team formed to procure insurance - correct answer -A
sports team formed to procure insurance
If a person has both Medicare and a work plan, which payor is
secondary?
Select one:
a. Work
b. Medicare
c. He can pick.
d. They will split the cost. - correct answer -Medicare
Which of the following must happen before an HIV test is
performed on an applicant?
, Page | 2
Select one:
a. The insurer must inquire about the applicant's sexual
orientation.
b. A consent form must be signed by the applicant prior to the
test.
c. The Insurer must inform all non-entitled parties to the upcoming
test.
d. The insurer must inform the state Department of Health of
upcoming test. - correct answer -A consent form must be signed
by the applicant prior to the test.
If an insurance agent offers to split their commission with a
prospective applicant, this would be considered:
Select one:
a. Twisting
b. Intimidation
c. Boycott
d. Rebating - correct answer -Rebating
Eligibility for the payment of long-term care benefits may not be
more restrictive than requiring a deficiency in the ability to perform
not more than how many activities of daily living?
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Select one:
a. 1
b. 2
c. 3
d. 4 - correct answer -Eligibility for the payment of long-term care
benefits may not be more restrictive than requiring either a
deficiency in the ability to perform not more than 3 activities of
daily living or the presence of cognitive impairment.
The correct answer is: 3
Physicians and outpatient coverage is provided by which part of
Medicare?
Select one:
a. Part A
b. Part B
c. Part C
d. Part D - correct answer -Part B
Which managed care program has a larger service area, wider
range of provider choices, no gatekeeper and coverage for
emergency treatment outside of the provider list?
Select one:
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a. HMO
b. PPO
c. POS
d. HSA - correct answer -The services and provision listed are
generally associated with a PPO (Preferred Provider
Organization.
The correct answer is: PPO
If health insurance premiums are not tax-deductible, the benefits
are:
Select one:
a. Always tax-free.
b. Tax-free, as long as they do not exceed the actual cost of
medical expenses.
c. Taxable as ordinary income.
d. Only tax-free for disability income insurance. - correct answer -
If the premiums are not tax-deductible, the benefits are tax-free,
as long as they do not exceed the actual cost of medical
expenses.
The correct answer is: Tax-free, as long as they do not exceed
the actual cost of medical expenses.
