KENTUCKY HEALTH INSURANCE
TEST SCRIPT 2026 TEST PAPER
QUESTIONS AND SOLUTIONS
CERTIFICATION REVIEW GRADED
A+
◉ If a mother delivers her baby through a C-section, the minimum
hospital stay is
A. 24 hours
B. 48 hours
C. 96 hours
D. 120 hours. Answer: C. 96 hours for C-section, 48 hours for vaginal.
◉ How is Medicare primarily funded?
A. Federal Tax Money
B. Insureds
C. Nonprofit organizations
D. State Tax. Answer: A. Federal Tax Money
A is supported by Social Security Payroll, Part B is supported by
premiums from Beneficiaries. Some funds come from general tax.
◉ Can an individual who belongs to a POS plan use an out-of-network
physician?
,A. Yes, and they may use an preferred physician, even if not part of the
HMO
b. No
C. Yes, but they must use the POS physician first
D. Yes, but the must use the HMO physician first.. Answer: A. Yes, the
may use a preferred physician, even if not part of the HMO.
◉ Contracts that are prepared by one party and submitted to the other
party on a take-it-or leave it basis are classified as
A. Binding
B Contacts of Adhesion
C. Unilateral Contracts
D. Aleatory Contracts. Answer: B. Contracts of Adhesion. Going to
adhere to something that the company says.
◉ Which type of care re-establishes functional use to natural teeth?
A. Functionality
B. Repair
C. Restorative
D. Fillings. Answer: C. Restorative . It restores the teeth.
◉ All of the policies of credit life or credit health insurance must be
delivered or issues for delivery in Kentucky only by
,A. unlicensed person
B. The Commissioner
C. A separate, third party insurance
D. An insurer authorized to do insurance business, and such policies
must be issued only through holders of licenses issued by the
Commissioner.. Answer: D. An insurer authorized to do insurance
business, and such policies must be issued only through holders of
licenses issued by the Commissioner.
◉ Which of the following will vary the length of the grace period in
health insurance?
A. length of time insured
B. The term of policy
C. The mode of the premium payment
D. The length of any elimination period. Answer: C. The mode of the
premium payment
7 days on a weekly premium, 10 days on a monthly, 31 days on
anything more.
◉ How soon following the occurrence of a covered loss must an
insured submit written proof of such loss to the insurance company?
A. as soon as possible
B. Within 20 days
C. Within 60 days
, D. Within 90 days or as soon as reasonably possible, but not to exceed
1 year.. Answer: D. Within 90 days or as soon as reasonably possible,
but not to exceed 1 year.
◉ Under a health insurance policy, benefits, other than deaths
benefits, that have not otherwise been assigned, will be paid to
A. Beneficiary
B. The spouse
C. The Insured
D. The creditors.. Answer: C. The Insured
◉ ------- policies pay for loss of income due to period of disability while -
-------- policies cover medical and surgical expenses.
A. Key Person, Extended covered
B. Extended coverage, Key Person
C. Disability Income, Medical Expense
D. Disability Expense, Medical Expense. Answer: C. Disability Income,
Medical Expense
◉ If an insured is covered on an expense-incurred basis under multiple
insurers whom are not informed about the other sources of coverage
before loss then. Answer: Each insurer should pay a proportionate
share of the claim.
TEST SCRIPT 2026 TEST PAPER
QUESTIONS AND SOLUTIONS
CERTIFICATION REVIEW GRADED
A+
◉ If a mother delivers her baby through a C-section, the minimum
hospital stay is
A. 24 hours
B. 48 hours
C. 96 hours
D. 120 hours. Answer: C. 96 hours for C-section, 48 hours for vaginal.
◉ How is Medicare primarily funded?
A. Federal Tax Money
B. Insureds
C. Nonprofit organizations
D. State Tax. Answer: A. Federal Tax Money
A is supported by Social Security Payroll, Part B is supported by
premiums from Beneficiaries. Some funds come from general tax.
◉ Can an individual who belongs to a POS plan use an out-of-network
physician?
,A. Yes, and they may use an preferred physician, even if not part of the
HMO
b. No
C. Yes, but they must use the POS physician first
D. Yes, but the must use the HMO physician first.. Answer: A. Yes, the
may use a preferred physician, even if not part of the HMO.
◉ Contracts that are prepared by one party and submitted to the other
party on a take-it-or leave it basis are classified as
A. Binding
B Contacts of Adhesion
C. Unilateral Contracts
D. Aleatory Contracts. Answer: B. Contracts of Adhesion. Going to
adhere to something that the company says.
◉ Which type of care re-establishes functional use to natural teeth?
A. Functionality
B. Repair
C. Restorative
D. Fillings. Answer: C. Restorative . It restores the teeth.
◉ All of the policies of credit life or credit health insurance must be
delivered or issues for delivery in Kentucky only by
,A. unlicensed person
B. The Commissioner
C. A separate, third party insurance
D. An insurer authorized to do insurance business, and such policies
must be issued only through holders of licenses issued by the
Commissioner.. Answer: D. An insurer authorized to do insurance
business, and such policies must be issued only through holders of
licenses issued by the Commissioner.
◉ Which of the following will vary the length of the grace period in
health insurance?
A. length of time insured
B. The term of policy
C. The mode of the premium payment
D. The length of any elimination period. Answer: C. The mode of the
premium payment
7 days on a weekly premium, 10 days on a monthly, 31 days on
anything more.
◉ How soon following the occurrence of a covered loss must an
insured submit written proof of such loss to the insurance company?
A. as soon as possible
B. Within 20 days
C. Within 60 days
, D. Within 90 days or as soon as reasonably possible, but not to exceed
1 year.. Answer: D. Within 90 days or as soon as reasonably possible,
but not to exceed 1 year.
◉ Under a health insurance policy, benefits, other than deaths
benefits, that have not otherwise been assigned, will be paid to
A. Beneficiary
B. The spouse
C. The Insured
D. The creditors.. Answer: C. The Insured
◉ ------- policies pay for loss of income due to period of disability while -
-------- policies cover medical and surgical expenses.
A. Key Person, Extended covered
B. Extended coverage, Key Person
C. Disability Income, Medical Expense
D. Disability Expense, Medical Expense. Answer: C. Disability Income,
Medical Expense
◉ If an insured is covered on an expense-incurred basis under multiple
insurers whom are not informed about the other sources of coverage
before loss then. Answer: Each insurer should pay a proportionate
share of the claim.
