Florida 2-40 Health Insurance EXAM COVERAGE
ACTUAL Exam
Florida 2-40 Health Insurance License Exam
Florida Insurance Regulations
Role of the Florida Department of Financial
Services
Licensing requirements, appointments, and
continuing education
Unfair trade practices and disciplinary actions
Agent responsibilities and fiduciary duties
Health Insurance Basics
Types of policies: individual, group, blanket
Policy structure: premiums, deductibles,
copayments, coinsurance
Definitions of insured, policyowner, beneficiary
Medical Plans
HMOs, PPOs, EPOs, POS plans
Major medical vs. basic hospital/surgical policies
Managed care concepts and provider networks
Federal Regulations
Affordable Care Act (ACA) requirements
HIPAA privacy and portability rules
COBRA continuation coverage
ERISA basics
Florida-Specific Requirements
Florida mandated health benefits
,Replacement rules and policy provisions
Grace periods, reinstatement, and claim
procedures
Disability & Income Protection
Short-term and long-term disability policies
Elimination periods and benefit periods
Social Security disability basics
Medicare & Medicaid
Parts A, B, C, D
Medicare Supplement (Medigap) policies
Medicaid eligibility basics
Long-Term Care Insurance
Policy features and benefit triggers
Inflation protection options
Ethics & Consumer Protection
Suitability standards
Fraud awareness and reporting
Confidentiality and recordkeeping
,Group health insurance specifies 100
that what percentage of eligible
individuals MUST be offered
coverage under a noncontributory
plan?
-25
-50
-75
-100
Under an Accidental Death and At the inception of the policy
Dismemberment (AD&D) policy,
insurable interest must exist at
which of the following times?
-When a change of beneficiary is
requested
-At the inception of the policy
-When a beneficiary other than a
relative is named
-At the time a claim is submitted
, When periodic claim payments are month
required under a long-term
disability income policy, an insurer
MUST make payments to an insured
at least once every:
-month
-three months
-six months
-year
Fair Credit Reporting Act (Insurance Information
and Privacy Protection Act)
Which of the following laws
requires an insurer to notify an
applicant in writing that an
investigative consumer report may
be made on the applicant?
-Uniform Provisions Law.
-Freedom of Information Act.
-Medical Information Bureau
Disclosure Act
-Fair Credit Reporting Act
(Insurance Information and Privacy
Protection Act)
ACTUAL Exam
Florida 2-40 Health Insurance License Exam
Florida Insurance Regulations
Role of the Florida Department of Financial
Services
Licensing requirements, appointments, and
continuing education
Unfair trade practices and disciplinary actions
Agent responsibilities and fiduciary duties
Health Insurance Basics
Types of policies: individual, group, blanket
Policy structure: premiums, deductibles,
copayments, coinsurance
Definitions of insured, policyowner, beneficiary
Medical Plans
HMOs, PPOs, EPOs, POS plans
Major medical vs. basic hospital/surgical policies
Managed care concepts and provider networks
Federal Regulations
Affordable Care Act (ACA) requirements
HIPAA privacy and portability rules
COBRA continuation coverage
ERISA basics
Florida-Specific Requirements
Florida mandated health benefits
,Replacement rules and policy provisions
Grace periods, reinstatement, and claim
procedures
Disability & Income Protection
Short-term and long-term disability policies
Elimination periods and benefit periods
Social Security disability basics
Medicare & Medicaid
Parts A, B, C, D
Medicare Supplement (Medigap) policies
Medicaid eligibility basics
Long-Term Care Insurance
Policy features and benefit triggers
Inflation protection options
Ethics & Consumer Protection
Suitability standards
Fraud awareness and reporting
Confidentiality and recordkeeping
,Group health insurance specifies 100
that what percentage of eligible
individuals MUST be offered
coverage under a noncontributory
plan?
-25
-50
-75
-100
Under an Accidental Death and At the inception of the policy
Dismemberment (AD&D) policy,
insurable interest must exist at
which of the following times?
-When a change of beneficiary is
requested
-At the inception of the policy
-When a beneficiary other than a
relative is named
-At the time a claim is submitted
, When periodic claim payments are month
required under a long-term
disability income policy, an insurer
MUST make payments to an insured
at least once every:
-month
-three months
-six months
-year
Fair Credit Reporting Act (Insurance Information
and Privacy Protection Act)
Which of the following laws
requires an insurer to notify an
applicant in writing that an
investigative consumer report may
be made on the applicant?
-Uniform Provisions Law.
-Freedom of Information Act.
-Medical Information Bureau
Disclosure Act
-Fair Credit Reporting Act
(Insurance Information and Privacy
Protection Act)
