Illinois Health Exam 2025 Questions
and Answers (Rated A+)
First Dollar coverage - correct answer ✅-basic medical insurance
-no deductible
Basic hospital expense - correct answer ✅ -policy states that the max daily room
and board benefit is $500 per day for 30 days.
-surgery not covered
Usual Customary and reasonable (UCR) - correct answer ✅ -insurer calculates by
averaging the cost of a specific surgery in a defined geographic area.
-if actual charge is more, policyowner pays the difference
Major medical expense plan - correct answer
coverage under one policy
✅ -designed to provide broad
-low benefit limits
-covers everything that is usual and customary
comprehensive major medical - correct answer
medical expenses
✅ -covers virtually all necessary
-contracts are characterized by a deductible, co-insurance or percentage
participation, a stop-loss feature, and lifetime or maximum policy benefit
deductible - correct answer ✅ policyowner pays first before benefits are paid
coinsurance - correct answer ✅ percentages shared after deductible is met
, Illinois Health Exam 2025 Questions
and Answers (Rated A+)
higher % of coinsurance - correct answer ✅ lower premium
Stop-loss - correct answer
year
✅ policyowners maximum out-of-pocket for policy
higher stop loss - correct answer ✅ lower premium
Supplemental major medical - correct answer
major medical
✅ -very similar to comprehensive
-offers first-dollar coverage
Common exlusions and limitations - correct answer ✅ -injury due to war
-self-inflicted injury
-routine eye exam and glasses
-routine dental care/physical exams
-hearing aids
probation period - correct answer
first 30 days of the policy
✅ insured is on "___" for sickness claims the
individual coverage - correct answer
benefits are never taxed
✅ -premiums may be tax deductible. policy
-benefit period can last to age 65
and Answers (Rated A+)
First Dollar coverage - correct answer ✅-basic medical insurance
-no deductible
Basic hospital expense - correct answer ✅ -policy states that the max daily room
and board benefit is $500 per day for 30 days.
-surgery not covered
Usual Customary and reasonable (UCR) - correct answer ✅ -insurer calculates by
averaging the cost of a specific surgery in a defined geographic area.
-if actual charge is more, policyowner pays the difference
Major medical expense plan - correct answer
coverage under one policy
✅ -designed to provide broad
-low benefit limits
-covers everything that is usual and customary
comprehensive major medical - correct answer
medical expenses
✅ -covers virtually all necessary
-contracts are characterized by a deductible, co-insurance or percentage
participation, a stop-loss feature, and lifetime or maximum policy benefit
deductible - correct answer ✅ policyowner pays first before benefits are paid
coinsurance - correct answer ✅ percentages shared after deductible is met
, Illinois Health Exam 2025 Questions
and Answers (Rated A+)
higher % of coinsurance - correct answer ✅ lower premium
Stop-loss - correct answer
year
✅ policyowners maximum out-of-pocket for policy
higher stop loss - correct answer ✅ lower premium
Supplemental major medical - correct answer
major medical
✅ -very similar to comprehensive
-offers first-dollar coverage
Common exlusions and limitations - correct answer ✅ -injury due to war
-self-inflicted injury
-routine eye exam and glasses
-routine dental care/physical exams
-hearing aids
probation period - correct answer
first 30 days of the policy
✅ insured is on "___" for sickness claims the
individual coverage - correct answer
benefits are never taxed
✅ -premiums may be tax deductible. policy
-benefit period can last to age 65
