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NC Health Insurance Practice Exam _ Verified Questions & Answers
NC Health Insurance Practice Exam | Verified Questions
& Answers
Guidehttps://www.stuvia.com/dashboard!@_)#*)(@$)($@*($@)($@*_ 2/20/2026
, NC - Health Insurance - Practice Exam Questions
All of the following are true regarding Key Employee Disability Income insurance EXCEPT
A) Premiums are not tax deductible for the employer.
B) Benefits are taxable to the employer.
C) The employer owns the policy.
D) Benefits are paid to the employer to retrain a new person.
B) Benefits are taxable to the employer.
Key person disability income premiums are not deductible to the business, but the benefits are received income
tax free by the business.
2/20/2026
, NC - Health Insurance - Practice Exam Questions
How is emergency care covered for a member of an HMO?
A) A member of an HMO can receive care in or out of the HMO service area, but care is preferred in the service
area.
B) A member of an HMO may receive care at any emergency facility, at the same cost as if in his or her own
service area.
C) HMOs have salaried member physicians, but they do not cover emergency care.
D) An HMO emergency specialist will cover the patient.
A. A member of an HMO can receive care in or out of the HMO service area, but care is preferred in the service
area.
Emergency care must be provided for the member in or out of the HMO's service area. If emergency care is being
provided for a member outside the service area, the HMO will be eager to get the member back into the service
area so that care can be provided by salaried member physicians.
2/20/2026
, NC - Health Insurance - Practice Exam Questions
After appointing an agent, how long does an insurer have to file with the Commissioner the form detailing the
agent's name, address, and other needed information?
A) 15 days
B) 30 days
C) 45 days
D) 60 days
B) 30 days
Insurers have 30 days to file, in a form prescribed by the Commissioner, the names, addresses, and other
information required by the Commissioner for its newly appointed agents.
Bethany studies in England for a semester. While she is there, she is involved in a train accident that leaves her
disabled. If Bethany owns a general disability policy, what will be the extent of benefits that she receives?
None
2/20/2026
NC Health Insurance Practice Exam _ Verified Questions & Answers
NC Health Insurance Practice Exam | Verified Questions
& Answers
Guidehttps://www.stuvia.com/dashboard!@_)#*)(@$)($@*($@)($@*_ 2/20/2026
, NC - Health Insurance - Practice Exam Questions
All of the following are true regarding Key Employee Disability Income insurance EXCEPT
A) Premiums are not tax deductible for the employer.
B) Benefits are taxable to the employer.
C) The employer owns the policy.
D) Benefits are paid to the employer to retrain a new person.
B) Benefits are taxable to the employer.
Key person disability income premiums are not deductible to the business, but the benefits are received income
tax free by the business.
2/20/2026
, NC - Health Insurance - Practice Exam Questions
How is emergency care covered for a member of an HMO?
A) A member of an HMO can receive care in or out of the HMO service area, but care is preferred in the service
area.
B) A member of an HMO may receive care at any emergency facility, at the same cost as if in his or her own
service area.
C) HMOs have salaried member physicians, but they do not cover emergency care.
D) An HMO emergency specialist will cover the patient.
A. A member of an HMO can receive care in or out of the HMO service area, but care is preferred in the service
area.
Emergency care must be provided for the member in or out of the HMO's service area. If emergency care is being
provided for a member outside the service area, the HMO will be eager to get the member back into the service
area so that care can be provided by salaried member physicians.
2/20/2026
, NC - Health Insurance - Practice Exam Questions
After appointing an agent, how long does an insurer have to file with the Commissioner the form detailing the
agent's name, address, and other needed information?
A) 15 days
B) 30 days
C) 45 days
D) 60 days
B) 30 days
Insurers have 30 days to file, in a form prescribed by the Commissioner, the names, addresses, and other
information required by the Commissioner for its newly appointed agents.
Bethany studies in England for a semester. While she is there, she is involved in a train accident that leaves her
disabled. If Bethany owns a general disability policy, what will be the extent of benefits that she receives?
None
2/20/2026
