CISR LIFE HEALTH PRACTICE EXAM 2
QUESTIONS WITH 100%CORRECTLY
VERIFIED ANSWERS
Which of the following is NOT an "Eligible Opt-out" for the participation underwriting
requirement for a group health insurance program? - Correct Answers -A voluntary group
accident plan
Jimmy has a scheduled surgery. Prior to his checking into the hospital, the surgeon orders
diagnostic tests be performed at an out-patient clinic. This process is part of which cost
containment feature? - Correct Answers -Pre-admission testing (PAT)
Jon is an HR director of an accounting firm. The partners of the firm want to add a Flexible
Spending Account (FSA) to their benefit package. Jon is aware that there is more than one type
of FSA. Which of the following is not an option for Jon to consider? - Correct Answers -Health
Reimbursement Accounts
Sue is injured in an automobile accident. She is out on disability for 45 days. While she was
disabled, she was reading through her insurance policies and noticed that her life insurance
policy had a disability waiver rider attached. She asked you if she could receive any income from
her life insurance policy. Which of the following would be you response to Sue? - Correct
Answers -The Disability waiver rider pays the life insurance premium after a waiting period of 3-
6 months.
A deductible is a benefit payment provision of a health insurance plan. Usually, a deductible has
how long to accumulate? - Correct Answers -12 months
Medicare Part D may have a coverage gap for people with high drug costs. This gap is often
referred to as which of the following? - Correct Answers -The "donut hole"
QUESTIONS WITH 100%CORRECTLY
VERIFIED ANSWERS
Which of the following is NOT an "Eligible Opt-out" for the participation underwriting
requirement for a group health insurance program? - Correct Answers -A voluntary group
accident plan
Jimmy has a scheduled surgery. Prior to his checking into the hospital, the surgeon orders
diagnostic tests be performed at an out-patient clinic. This process is part of which cost
containment feature? - Correct Answers -Pre-admission testing (PAT)
Jon is an HR director of an accounting firm. The partners of the firm want to add a Flexible
Spending Account (FSA) to their benefit package. Jon is aware that there is more than one type
of FSA. Which of the following is not an option for Jon to consider? - Correct Answers -Health
Reimbursement Accounts
Sue is injured in an automobile accident. She is out on disability for 45 days. While she was
disabled, she was reading through her insurance policies and noticed that her life insurance
policy had a disability waiver rider attached. She asked you if she could receive any income from
her life insurance policy. Which of the following would be you response to Sue? - Correct
Answers -The Disability waiver rider pays the life insurance premium after a waiting period of 3-
6 months.
A deductible is a benefit payment provision of a health insurance plan. Usually, a deductible has
how long to accumulate? - Correct Answers -12 months
Medicare Part D may have a coverage gap for people with high drug costs. This gap is often
referred to as which of the following? - Correct Answers -The "donut hole"
